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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 | $57,061-52.3% | $85,063-68.0% | $80,911-66.4% |
| Participation rate | 34.2% | 56.3%-22.1pp | 67.5%-33.3pp | 67.6%-33.4pp |
| Annual return | 18.50% | 21.66%-3.2pp | 66.54%-48.0pp | 35.63%-17.1pp |
| Employer contribution / active EE | $702 | $1,799-61.0% | $2,727-74.3% | $2,756-74.5% |
| Participant deferral / active EE | $983 | $3,110-68.4% | $4,523-78.3% | $4,297-77.1% |
| Admin fee / account holder | $1,045 | $4,986-79.0% | $6,155-83.0% | $6,935-84.9% |