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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 | $23,814 | $81,331-70.7% | $155,534-84.7% | $80,935-70.6% |
| Participation rate | 43.3% | 66.3%-22.9pp | 78.2%-34.9pp | 67.7%-24.3pp |
| Annual return | 18.19% | 33.37%-15.2pp | 64.92%-46.7pp | 35.66%-17.5pp |
| Employer contribution / active EE | $661 | $3,105-78.7% | $4,675-85.9% | $2,757-76.0% |
| Participant deferral / active EE | $3,121 | $3,454-9.6% | $5,630-44.6% | $4,299-27.4% |
| Admin fee / account holder | $6,122 | $7,999-23.5% | $15,900-61.5% | $6,924-11.6% |