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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 | $37,656 | $77,896-51.7% | $134,172-71.9% | $82,448-54.3% |
| Participation rate | 20.6% | 62.8%-42.2pp | 72.5%-51.9pp | 68.1%-47.5pp |
| Annual return | 16.93% | 18.21%-1.3pp | 25.30%-8.4pp | 41.64%-24.7pp |
| Employer contribution / active EE | $968 | $2,159-55.2% | $3,420-71.7% | $2,551-62.0% |
| Participant deferral / active EE | $1,804 | $3,162-42.9% | $4,690-61.5% | $4,139-56.4% |
| Admin fee / account holder | $344 | $6,336-94.6% | $12,016-97.1% | $7,234-95.3% |