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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 | $26,067 | $56,544-53.9% | $75,501-65.5% | $70,126-62.8% |
| Participation rate | 33.3% | 68.1%-34.8pp | 72.4%-39.0pp | 69.5%-36.2pp |
| Annual return | 14.53% | 23.59%-9.1pp | 27.35%-12.8pp | 73.15%-58.6pp |
| Employer contribution / active EE | $1,148 | $1,817-36.8% | $2,352-51.2% | $2,343-51.0% |
| Participant deferral / active EE | $1,730 | $2,580-33.0% | $3,142-45.0% | $3,332-48.1% |
| Admin fee / account holder | $1,886 | $3,827-50.7% | $5,801-67.5% | $4,645-59.4% |