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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 | $18,450 | $61,356-69.9% | $149,696-87.7% | $71,511-74.2% |
| Participation rate | 46.6% | 62.5%-16.0pp | 78.8%-32.2pp | 67.9%-21.4pp |
| Annual return | 17.00% | 35.86%-18.9pp | 134.46%-117.5pp | 28.86%-11.9pp |
| Employer contribution / active EE | $795 | $2,382-66.6% | $4,821-83.5% | $2,589-69.3% |
| Participant deferral / active EE | $1,220 | $2,920-58.2% | $5,682-78.5% | $4,291-71.6% |
| Admin fee / account holder | $1,109 | $1,263-12.2% | $13,212-91.6% | $1,588-30.2% |