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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 | $30,655 | $59,440-48.4% | $78,004-60.7% | $82,637-62.9% |
| Participation rate | 32.4% | 62.8%-30.5pp | 69.4%-37.1pp | 68.1%-35.7pp |
| Annual return | 18.42% | 40.24%-21.8pp | 31.07%-12.6pp | 53.51%-35.1pp |
| Employer contribution / active EE | $702 | $1,750-59.9% | $2,469-71.6% | $2,552-72.5% |
| Participant deferral / active EE | $1,657 | $3,138-47.2% | $4,092-59.5% | $4,126-59.8% |
| Admin fee / account holder | $644 | $5,504-88.3% | $7,578-91.5% | $7,339-91.2% |