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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 | $36,948-35.2% | $73,658-67.5% | $87,485-72.6% |
| Participation rate | 11.8% | 46.8%-35.0pp | 57.0%-45.2pp | 68.9%-57.1pp |
| Annual return | 35.64% | 28.64%+7.0pp | 29.72%+5.9pp | 26.06%+9.6pp |
| Employer contribution / active EE | $309 | $670-53.8% | $1,032-70.0% | $2,596-88.1% |
| Participant deferral / active EE | $512 | $1,379-62.9% | $2,062-75.2% | $4,274-88.0% |
| Admin fee / account holder | $333 | $2,531-86.8% | $3,357-90.1% | $7,775-95.7% |