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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 | $31,113 | $60,349-48.4% | $74,184-58.1% | $62,881-50.5% |
| Participation rate | 42.3% | 72.7%-30.4pp | 76.6%-34.3pp | 69.3%-27.0pp |
| Annual return | 13.44% | 21.38%-7.9pp | 17.74%-4.3pp | 20.14%-6.7pp |
| Employer contribution / active EE | $805 | $1,680-52.1% | $2,370-66.0% | $2,281-64.7% |
| Participant deferral / active EE | $2,059 | $2,856-27.9% | $3,550-42.0% | $3,203-35.7% |
| Admin fee / account holder | $4,242 | $4,261-0.4% | $5,586-24.1% | $4,296-1.3% |