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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 | $26,796 | $55,684-51.9% | $75,900-64.7% | $72,976-63.3% |
| Participation rate | 46.2% | 61.1%-15.0pp | 69.3%-23.1pp | 69.5%-23.3pp |
| Annual return | 22.73% | 27.60%-4.9pp | 30.73%-8.0pp | 81.02%-58.3pp |
| Employer contribution / active EE | $848 | $1,687-49.7% | $2,501-66.1% | $2,440-65.2% |
| Participant deferral / active EE | $2,168 | $2,634-17.7% | $3,604-39.8% | $3,608-39.9% |
| Admin fee / account holder | $1,660 | $3,981-58.3% | $5,421-69.4% | $5,124-67.6% |