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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 | $21,972 | $36,140-39.2% | $73,658-70.2% | $64,340-65.9% |
| Participation rate | 30.9% | 31.0%-0.1pp | 57.0%-26.1pp | 55.2%-24.3pp |
| Annual return | 16.63% | 21.48%-4.8pp | 29.72%-13.1pp | 24.14%-7.5pp |
| Employer contribution / active EE | $1,067 | $443+140.8% | $1,032+3.4% | $1,862-42.7% |
| Participant deferral / active EE | $1,595 | $1,023+56.0% | $2,062-22.6% | $2,980-46.5% |
| Admin fee / account holder | $854 | $2,513-66.0% | $3,357-74.6% | $3,703-76.9% |