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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 | $25,568 | $48,078-46.8% | $78,676-67.5% | $62,881-59.3% |
| Participation rate | 56.8% | 65.2%-8.4pp | 73.6%-16.8pp | 69.3%-12.5pp |
| Annual return | 11.67% | 31.36%-19.7pp | 62.19%-50.5pp | 20.14%-8.5pp |
| Employer contribution / active EE | $276 | $2,015-86.3% | $2,850-90.3% | $2,281-87.9% |
| Participant deferral / active EE | $2,034 | $2,587-21.4% | $3,517-42.2% | $3,203-36.5% |
| Admin fee / account holder | $6,320 | $3,206+97.1% | $4,510+40.1% | $4,296+47.1% |