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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 | $28,004 | $73,955-62.1% | $96,520-71.0% | $75,181-62.8% |
| Participation rate | 46.9% | 66.4%-19.5pp | 74.3%-27.5pp | 67.2%-20.3pp |
| Annual return | 18.09% | 26.72%-8.6pp | 35.72%-17.6pp | 160.69%-142.6pp |
| Employer contribution / active EE | $871 | $2,930-70.3% | $3,739-76.7% | $2,671-67.4% |
| Participant deferral / active EE | $3,971 | $3,659+8.5% | $4,879-18.6% | $4,126-3.7% |
| Admin fee / account holder | $400 | $5,217-92.3% | $6,733-94.1% | $5,650-92.9% |