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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 | $30,578 | $43,075-29.0% | $74,577-59.0% | $62,881-51.4% |
| Participation rate | 25.6% | 58.1%-32.5pp | 68.1%-42.5pp | 69.3%-43.7pp |
| Annual return | 8.30% | 17.50%-9.2pp | 20.47%-12.2pp | 20.14%-11.8pp |
| Employer contribution / active EE | $393 | $1,498-73.8% | $2,525-84.4% | $2,281-82.8% |
| Participant deferral / active EE | $1,261 | $2,389-47.2% | $3,458-63.5% | $3,203-60.6% |
| Admin fee / account holder | $956 | $2,840-66.4% | $4,138-76.9% | $4,296-77.8% |