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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 | $19,338 | $55,889-65.4% | $76,119-74.6% | $80,935-76.1% |
| Participation rate | 32.3% | 62.1%-29.8pp | 69.1%-36.8pp | 67.7%-35.4pp |
| Annual return | 12.37% | 20.58%-8.2pp | 361.25%-348.9pp | 35.66%-23.3pp |
| Employer contribution / active EE | $692 | $1,866-62.9% | $2,693-74.3% | $2,757-74.9% |
| Participant deferral / active EE | $1,511 | $3,051-50.5% | $4,259-64.5% | $4,299-64.9% |
| Admin fee / account holder | $403 | $5,241-92.3% | $6,421-93.7% | $6,924-94.2% |