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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 | $17,726 | $60,442-70.7% | $96,754-81.7% | $87,485-79.7% |
| Participation rate | 36.2% | 58.7%-22.5pp | 70.3%-34.1pp | 68.9%-32.8pp |
| Annual return | 14.26% | 21.97%-7.7pp | 82.04%-67.8pp | 26.06%-11.8pp |
| Employer contribution / active EE | $635 | $1,691-62.5% | $2,679-76.3% | $2,596-75.5% |
| Participant deferral / active EE | $1,082 | $3,280-67.0% | $4,758-77.3% | $4,274-74.7% |
| Admin fee / account holder | $5,672 | $5,069+11.9% | $8,905-36.3% | $7,775-27.0% |