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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 | $23,934 | $37,156-35.6% | $83,854-71.5% | $86,983-72.5% |
| Participation rate | 11.8% | 49.1%-37.2pp | 59.1%-47.3pp | 69.5%-57.7pp |
| Annual return | 35.64% | 29.88%+5.8pp | 31.39%+4.2pp | 25.83%+9.8pp |
| Employer contribution / active EE | $309 | $661-53.2% | $1,017-69.6% | $2,584-88.0% |
| Participant deferral / active EE | $512 | $1,418-63.9% | $2,035-74.8% | $4,194-87.8% |
| Admin fee / account holder | $333 | $2,510-86.7% | $3,197-89.6% | $7,856-95.8% |