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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 | $9,448 | $37,446-74.8% | $77,552-87.8% | $79,856-88.2% |
| Participation rate | 56.3% | 41.5%+14.7pp | 54.2%+2.1pp | 69.6%-13.4pp |
| Annual return | 18.88% | 39.76%-20.9pp | 54.82%-35.9pp | 31.71%-12.8pp |
| Employer contribution / active EE | $590 | $637-7.4% | $987-40.2% | $2,471-76.1% |
| Participant deferral / active EE | $770 | $1,261-38.9% | $1,861-58.6% | $3,741-79.4% |
| Admin fee / account holder | $789 | $2,506-68.5% | $2,859-72.4% | $5,306-85.1% |