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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,961 | $37,446-65.4% | $77,513-83.3% | $79,852-83.8% |
| Participation rate | 25.0% | 41.5%-16.5pp | 54.2%-29.2pp | 69.6%-44.6pp |
| Annual return | 28.91% | 39.76%-10.8pp | 54.81%-25.9pp | 31.72%-2.8pp |
| Employer contribution / active EE | $355 | $637-44.4% | $987-64.1% | $2,471-85.7% |
| Participant deferral / active EE | $1,669 | $1,261+32.4% | $1,861-10.3% | $3,740-55.4% |
| Admin fee / account holder | $438 | $2,506-82.5% | $2,859-84.7% | $5,306-91.8% |