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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 | $27,768 | $32,037-13.3% | $69,182-59.9% | $62,881-55.8% |
| Participation rate | 41.4% | 43.4%-2.0pp | 55.1%-13.7pp | 69.3%-27.9pp |
| Annual return | 10.68% | 15.16%-4.5pp | -21.93%+32.6pp | 20.14%-9.5pp |
| Employer contribution / active EE | $444 | $679-34.6% | $1,206-63.2% | $2,281-80.5% |
| Participant deferral / active EE | $1,030 | $1,185-13.1% | $1,897-45.7% | $3,203-67.8% |
| Admin fee / account holder | $795 | $2,608-69.5% | $2,697-70.5% | $4,296-81.5% |