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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 | $35,176 | $81,331-56.7% | $155,534-77.4% | $80,935-56.5% |
| Participation rate | 30.6% | 66.3%-35.7pp | 78.2%-47.7pp | 67.7%-37.1pp |
| Annual return | 13.30% | 33.37%-20.1pp | 64.92%-51.6pp | 35.66%-22.4pp |
| Employer contribution / active EE | $550 | $3,105-82.3% | $4,675-88.2% | $2,757-80.0% |
| Participant deferral / active EE | $1,201 | $3,454-65.2% | $5,630-78.7% | $4,299-72.1% |
| Admin fee / account holder | $974 | $7,999-87.8% | $15,900-93.9% | $6,924-85.9% |