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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 | $26,207 | $49,791-47.4% | $78,210-66.5% | $70,126-62.6% |
| Participation rate | 60.6% | 62.3%-1.7pp | 68.7%-8.1pp | 69.5%-8.9pp |
| Annual return | 17.18% | 20.75%-3.6pp | 40.90%-23.7pp | 73.15%-56.0pp |
| Employer contribution / active EE | $456 | $1,430-68.1% | $2,034-77.6% | $2,343-80.6% |
| Participant deferral / active EE | $1,142 | $2,150-46.9% | $2,823-59.5% | $3,332-65.7% |
| Admin fee / account holder | $312 | $3,181-90.2% | $3,758-91.7% | $4,645-93.3% |