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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 | $27,555 | $76,834-64.1% | $108,359-74.6% | $87,485-68.5% |
| Participation rate | 48.3% | 61.7%-13.4pp | 70.1%-21.8pp | 68.9%-20.6pp |
| Annual return | 17.18% | 19.09%-1.9pp | 36.89%-19.7pp | 26.06%-8.9pp |
| Employer contribution / active EE | $342 | $1,556-78.0% | $2,399-85.7% | $2,596-86.8% |
| Participant deferral / active EE | $2,091 | $3,100-32.6% | $4,137-49.5% | $4,274-51.1% |
| Admin fee / account holder | $6,867 | $6,537+5.1% | $9,741-29.5% | $7,775-11.7% |