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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 | $20,450 | $90,509-77.4% | $78,693-74.0% | $273,968-92.5% |
| Participation rate | 40.0% | 76.5%-36.5pp | 73.6%-33.6pp | 83.0%-43.0pp |
| Annual return | 21.51% | 75.61%-54.1pp | 62.18%-40.7pp | 41.45%-19.9pp |
| Employer contribution / active EE | $728 | $3,175-77.1% | $2,850-74.4% | $4,869-85.0% |
| Participant deferral / active EE | $2,320 | $3,901-40.5% | $3,517-34.0% | $5,287-56.1% |
| Admin fee / account holder | $1,080 | $5,264-79.5% | $4,511-76.1% | $10,132-89.3% |