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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 | $20,856 | $36,948-43.6% | $73,658-71.7% | $87,485-76.2% |
| Participation rate | 35.9% | 46.8%-10.9pp | 57.0%-21.1pp | 68.9%-33.0pp |
| Annual return | 19.66% | 28.64%-9.0pp | 29.72%-10.1pp | 26.06%-6.4pp |
| Employer contribution / active EE | $635 | $670-5.2% | $1,032-38.5% | $2,596-75.5% |
| Participant deferral / active EE | $888 | $1,379-35.6% | $2,062-56.9% | $4,274-79.2% |
| Admin fee / account holder | $463 | $2,531-81.7% | $3,357-86.2% | $7,775-94.0% |