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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 | $22,543 | $57,057-60.5% | $85,009-73.5% | $80,874-72.1% |
| Participation rate | 24.1% | 56.4%-32.2pp | 67.5%-43.4pp | 67.6%-43.5pp |
| Annual return | 10.73% | 21.66%-10.9pp | 66.47%-55.7pp | 35.62%-24.9pp |
| Employer contribution / active EE | $519 | $1,799-71.2% | $2,728-81.0% | $2,756-81.2% |
| Participant deferral / active EE | $943 | $3,112-69.7% | $4,522-79.1% | $4,297-78.1% |
| Admin fee / account holder | $2,386 | $4,986-52.1% | $6,153-61.2% | $6,935-65.6% |