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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 | $72,471-57.7% | $94,215-67.5% | $86,983-64.8% |
| Participation rate | 32.4% | 63.9%-31.5pp | 70.0%-37.6pp | 69.5%-37.2pp |
| Annual return | 18.42% | 26.44%-8.0pp | 28.22%-9.8pp | 25.83%-7.4pp |
| Employer contribution / active EE | $702 | $1,936-63.8% | $2,675-73.8% | $2,584-72.8% |
| Participant deferral / active EE | $1,657 | $3,397-51.2% | $4,276-61.2% | $4,194-60.5% |
| Admin fee / account holder | $644 | $6,468-90.0% | $10,216-93.7% | $7,856-91.8% |