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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 | $13,015 | $57,140-77.2% | $85,240-84.7% | $80,959-83.9% |
| Participation rate | 30.3% | 56.4%-26.1pp | 67.5%-37.2pp | 67.7%-37.4pp |
| Annual return | 17.01% | 21.71%-4.7pp | 66.75%-49.7pp | 35.67%-18.7pp |
| Employer contribution / active EE | $417 | $1,802-76.9% | $2,735-84.8% | $2,757-84.9% |
| Participant deferral / active EE | $999 | $3,115-67.9% | $4,527-77.9% | $4,300-76.8% |
| Admin fee / account holder | $448 | $4,992-91.0% | $6,165-92.7% | $6,925-93.5% |