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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 | $20,450 | $64,462-68.3% | $81,482-74.9% | $80,911-74.7% |
| Participation rate | 41.3% | 63.9%-22.6pp | 69.5%-28.2pp | 67.6%-26.3pp |
| Annual return | 13.92% | 16.35%-2.4pp | 24.79%-10.9pp | 35.63%-21.7pp |
| Employer contribution / active EE | $503 | $1,979-74.6% | $2,463-79.6% | $2,756-81.8% |
| Participant deferral / active EE | $1,165 | $3,094-62.3% | $3,885-70.0% | $4,297-72.9% |
| Admin fee / account holder | $442 | $5,678-92.2% | $5,761-92.3% | $6,935-93.6% |