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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 | $21,628 | $55,932-61.3% | $76,735-71.8% | $67,986-68.2% |
| Participation rate | 38.5% | 50.8%-12.3pp | 69.5%-31.0pp | 57.2%-18.7pp |
| Annual return | 16.24% | 23.10%-6.9pp | 29.77%-13.5pp | 31.67%-15.4pp |
| Employer contribution / active EE | $422 | $1,487-71.6% | $2,454-82.8% | $2,019-79.1% |
| Participant deferral / active EE | $1,518 | $2,558-40.7% | $4,088-62.9% | $3,358-54.8% |
| Admin fee / account holder | $3,873 | $4,907-21.1% | $7,189-46.1% | $3,203+20.9% |