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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 | $33,428 | $78,428-57.4% | $95,960-65.2% | $79,852-58.1% |
| Participation rate | 26.8% | 73.5%-46.7pp | 77.1%-50.3pp | 69.6%-42.8pp |
| Annual return | 18.83% | 19.37%-0.5pp | 91.63%-72.8pp | 31.72%-12.9pp |
| Employer contribution / active EE | $635 | $1,945-67.4% | $2,541-75.0% | $2,471-74.3% |
| Participant deferral / active EE | $1,768 | $3,440-48.6% | $4,167-57.6% | $3,740-52.7% |
| Admin fee / account holder | $1,020 | $5,622-81.9% | $6,797-85.0% | $5,306-80.8% |