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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 | $29,371 | $76,371-61.5% | $93,621-68.6% | $72,975-59.8% |
| Participation rate | 58.8% | 71.8%-12.9pp | 75.8%-17.0pp | 69.5%-10.7pp |
| Annual return | 22.07% | 25.82%-3.7pp | 32.76%-10.7pp | 81.01%-58.9pp |
| Employer contribution / active EE | $485 | $2,276-78.7% | $2,719-82.2% | $2,440-80.1% |
| Participant deferral / active EE | $2,314 | $3,538-34.6% | $4,070-43.1% | $3,608-35.9% |
| Admin fee / account holder | $3,870 | $6,839-43.4% | $7,890-50.9% | $5,124-24.5% |