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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 | $15,826 | $37,446-57.7% | $77,552-79.6% | $79,856-80.2% |
| Participation rate | 28.4% | 41.5%-13.1pp | 54.2%-25.8pp | 69.6%-41.2pp |
| Annual return | 14.35% | 39.76%-25.4pp | 54.82%-40.5pp | 31.71%-17.4pp |
| Employer contribution / active EE | $562 | $637-11.7% | $987-43.0% | $2,471-77.2% |
| Participant deferral / active EE | $669 | $1,261-46.9% | $1,861-64.0% | $3,741-82.1% |
| Admin fee / account holder | $2,170 | $2,506-13.4% | $2,859-24.1% | $5,306-59.1% |