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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 | $11,990 | $57,140-79.0% | $85,240-85.9% | $80,959-85.2% |
| Participation rate | 30.6% | 56.4%-25.9pp | 67.5%-37.0pp | 67.7%-37.1pp |
| Annual return | 14.07% | 21.71%-7.6pp | 66.75%-52.7pp | 35.67%-21.6pp |
| Employer contribution / active EE | $581 | $1,802-67.7% | $2,735-78.8% | $2,757-78.9% |
| Participant deferral / active EE | $897 | $3,115-71.2% | $4,527-80.2% | $4,300-79.2% |
| Admin fee / account holder | $1,461 | $4,992-70.7% | $6,165-76.3% | $6,925-78.9% |