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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 | $12,770 | $57,073-77.6% | $85,126-85.0% | $80,925-84.2% |
| Participation rate | 30.8% | 56.4%-25.6pp | 67.5%-36.8pp | 67.7%-36.9pp |
| Annual return | 13.94% | 21.69%-7.8pp | 66.63%-52.7pp | 35.65%-21.7pp |
| Employer contribution / active EE | $794 | $1,801-55.9% | $2,731-70.9% | $2,756-71.2% |
| Participant deferral / active EE | $966 | $3,113-69.0% | $4,523-78.6% | $4,299-77.5% |
| Admin fee / account holder | $1,340 | $4,988-73.1% | $6,160-78.2% | $6,940-80.7% |