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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 | $17,145 | $49,025-65.0% | $87,502-80.4% | $62,881-72.7% |
| Participation rate | 54.5% | 64.9%-10.3pp | 73.8%-19.3pp | 69.3%-14.8pp |
| Annual return | 6.83% | 10.02%-3.2pp | 12.21%-5.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $399 | $1,372-70.9% | $2,550-84.3% | $2,281-82.5% |
| Participant deferral / active EE | $1,033 | $2,289-54.9% | $3,149-67.2% | $3,203-67.8% |
| Admin fee / account holder | $410 | $4,065-89.9% | $4,221-90.3% | $4,296-90.5% |