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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 | $15,445 | $47,922-67.8% | $75,901-79.7% | $65,185-76.3% |
| Participation rate | 46.6% | 63.0%-16.4pp | 69.3%-22.7pp | 70.2%-23.6pp |
| Annual return | 22.94% | 24.12%-1.2pp | 30.76%-7.8pp | 29.38%-6.4pp |
| Employer contribution / active EE | $859 | $1,557-44.9% | $2,501-65.7% | $2,177-60.6% |
| Participant deferral / active EE | $1,441 | $2,550-43.5% | $3,603-60.0% | $3,514-59.0% |
| Admin fee / account holder | $1,275 | $532+139.9% | $5,420-76.5% | $847+50.5% |