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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 | $31,024 | $57,140-45.7% | $85,240-63.6% | $80,959-61.7% |
| Participation rate | 14.7% | 56.4%-41.7pp | 67.5%-52.8pp | 67.7%-53.0pp |
| Annual return | 14.51% | 21.71%-7.2pp | 66.75%-52.2pp | 35.67%-21.2pp |
| Employer contribution / active EE | $380 | $1,802-78.9% | $2,735-86.1% | $2,757-86.2% |
| Participant deferral / active EE | $1,170 | $3,115-62.5% | $4,527-74.2% | $4,300-72.8% |
| Admin fee / account holder | $3,983 | $4,992-20.2% | $6,165-35.4% | $6,925-42.5% |