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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 | $32,258 | $36,948-12.7% | $73,658-56.2% | $87,485-63.1% |
| Participation rate | 4.0% | 46.8%-42.8pp | 57.0%-53.0pp | 68.9%-64.9pp |
| Annual return | 17.58% | 28.64%-11.1pp | 29.72%-12.1pp | 26.06%-8.5pp |
| Employer contribution / active EE | $82 | $670-87.7% | $1,032-92.0% | $2,596-96.8% |
| Participant deferral / active EE | $378 | $1,379-72.6% | $2,062-81.7% | $4,274-91.2% |
| Admin fee / account holder | $301 | $2,531-88.1% | $3,357-91.0% | $7,775-96.1% |