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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 | $27,198 | $57,140-52.4% | $85,240-68.1% | $80,959-66.4% |
| Participation rate | 34.2% | 56.4%-22.2pp | 67.5%-33.3pp | 67.7%-33.5pp |
| Annual return | 18.50% | 21.71%-3.2pp | 66.75%-48.3pp | 35.67%-17.2pp |
| Employer contribution / active EE | $702 | $1,802-61.0% | $2,735-74.3% | $2,757-74.5% |
| Participant deferral / active EE | $983 | $3,115-68.5% | $4,527-78.3% | $4,300-77.1% |
| Admin fee / account holder | $1,045 | $4,992-79.1% | $6,165-83.1% | $6,925-84.9% |