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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 | $36,998 | $86,050-57.0% | $189,758-80.5% | $94,015-60.6% |
| Participation rate | 29.7% | 68.9%-39.2pp | 79.8%-50.1pp | 70.8%-41.1pp |
| Annual return | 13.16% | 17.77%-4.6pp | 52.62%-39.5pp | 17.84%-4.7pp |
| Employer contribution / active EE | $676 | $2,819-76.0% | $4,767-85.8% | $2,790-75.8% |
| Participant deferral / active EE | $1,073 | $3,349-68.0% | $5,856-81.7% | $4,249-74.7% |
| Admin fee / account holder | $2,682 | $6,627-59.5% | $20,388-86.8% | $8,951-70.0% |