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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 | $39,004 | $37,156+5.0% | $83,854-53.5% | $86,983-55.2% |
| Participation rate | 12.8% | 49.1%-36.3pp | 59.1%-46.3pp | 69.5%-56.8pp |
| Annual return | 15.03% | 29.88%-14.9pp | 31.39%-16.4pp | 25.83%-10.8pp |
| Employer contribution / active EE | $421 | $661-36.2% | $1,017-58.6% | $2,584-83.7% |
| Participant deferral / active EE | $890 | $1,418-37.2% | $2,035-56.3% | $4,194-78.8% |
| Admin fee / account holder | $336 | $2,510-86.6% | $3,197-89.5% | $7,856-95.7% |