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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 | $26,730 | $57,752-53.7% | $112,273-76.2% | $71,495-62.6% |
| Participation rate | 35.3% | 58.8%-23.5pp | 72.4%-37.1pp | 67.9%-32.6pp |
| Annual return | 18.39% | 18.25%+0.1pp | 30.23%-11.8pp | 28.85%-10.5pp |
| Employer contribution / active EE | $704 | $1,912-63.2% | $3,431-79.5% | $2,589-72.8% |
| Participant deferral / active EE | $1,432 | $2,860-49.9% | $4,800-70.2% | $4,291-66.6% |
| Admin fee / account holder | $474 | $1,586-70.1% | $7,752-93.9% | $1,588-70.2% |