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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 | $57,057-79.0% | $85,009-85.9% | $80,874-85.2% |
| Participation rate | 30.6% | 56.4%-25.8pp | 67.5%-37.0pp | 67.6%-37.1pp |
| Annual return | 14.07% | 21.66%-7.6pp | 66.47%-52.4pp | 35.62%-21.5pp |
| Employer contribution / active EE | $581 | $1,799-67.7% | $2,728-78.7% | $2,756-78.9% |
| Participant deferral / active EE | $897 | $3,112-71.2% | $4,522-80.2% | $4,297-79.1% |
| Admin fee / account holder | $1,461 | $4,986-70.7% | $6,153-76.3% | $6,935-78.9% |