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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 | $25,618 | $81,358-68.5% | $155,556-83.5% | $80,959-68.4% |
| Participation rate | 34.1% | 66.3%-32.1pp | 78.2%-44.1pp | 67.7%-33.5pp |
| Annual return | 15.44% | 33.39%-18.0pp | 64.84%-49.4pp | 35.67%-20.2pp |
| Employer contribution / active EE | $647 | $3,106-79.2% | $4,675-86.2% | $2,757-76.5% |
| Participant deferral / active EE | $2,444 | $3,455-29.3% | $5,631-56.6% | $4,300-43.2% |
| Admin fee / account holder | $1,556 | $7,994-80.5% | $15,885-90.2% | $6,925-77.5% |