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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 | $24,001 | $94,439-74.6% | $73,658-67.4% | $154,746-84.5% |
| Participation rate | 30.4% | 64.7%-34.2pp | 57.0%-26.6pp | 80.7%-50.3pp |
| Annual return | 12.38% | 28.25%-15.9pp | 29.72%-17.3pp | 172.34%-160.0pp |
| Employer contribution / active EE | $911 | $1,257-27.6% | $1,032-11.8% | $4,379-79.2% |
| Participant deferral / active EE | $1,118 | $2,527-55.8% | $2,062-45.8% | $6,730-83.4% |
| Admin fee / account holder | $8,161 | $3,843+112.4% | $3,357+143.1% | $14,365-43.2% |