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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 | $18,163 | $47,848-62.0% | $81,473-77.7% | $70,126-74.1% |
| Participation rate | 17.7% | 58.3%-40.6pp | 68.0%-50.2pp | 69.5%-51.8pp |
| Annual return | 15.08% | 27.25%-12.2pp | 38.78%-23.7pp | 73.15%-58.1pp |
| Employer contribution / active EE | $459 | $1,527-69.9% | $2,568-82.1% | $2,343-80.4% |
| Participant deferral / active EE | $981 | $2,453-60.0% | $3,537-72.3% | $3,332-70.6% |
| Admin fee / account holder | $1,425 | $3,145-54.7% | $4,561-68.8% | $4,645-69.3% |