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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 | $29,147 | $74,535-60.9% | $100,712-71.1% | $82,637-64.7% |
| Participation rate | 26.7% | 61.2%-34.5pp | 69.3%-42.6pp | 68.1%-41.4pp |
| Annual return | 13.62% | 18.92%-5.3pp | 33.27%-19.7pp | 53.51%-39.9pp |
| Employer contribution / active EE | $542 | $1,503-63.9% | $2,313-76.5% | $2,552-78.7% |
| Participant deferral / active EE | $1,319 | $3,074-57.1% | $4,085-67.7% | $4,126-68.0% |
| Admin fee / account holder | $10,464 | $6,576+59.1% | $9,256+13.0% | $7,339+42.6% |