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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 | $26,382 | $37,156-29.0% | $83,854-68.5% | $86,983-69.7% |
| Participation rate | 44.0% | 49.1%-5.1pp | 59.1%-15.1pp | 69.5%-25.5pp |
| Annual return | 17.37% | 29.88%-12.5pp | 31.39%-14.0pp | 25.83%-8.5pp |
| Employer contribution / active EE | $575 | $661-12.9% | $1,017-43.4% | $2,584-77.7% |
| Participant deferral / active EE | $1,617 | $1,418+14.1% | $2,035-20.5% | $4,194-61.4% |
| Admin fee / account holder | $987 | $2,510-60.7% | $3,197-69.1% | $7,856-87.4% |