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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 | $17,120 | $73,107-76.6% | $114,563-85.1% | $87,485-80.4% |
| Participation rate | 58.6% | 65.8%-7.2pp | 72.9%-14.3pp | 68.9%-10.3pp |
| Annual return | 21.11% | 19.47%+1.6pp | 241.09%-220.0pp | 26.06%-5.0pp |
| Employer contribution / active EE | $639 | $1,881-66.0% | $2,592-75.3% | $2,596-75.4% |
| Participant deferral / active EE | $1,917 | $3,144-39.0% | $4,142-53.7% | $4,274-55.1% |
| Admin fee / account holder | $927 | $5,770-83.9% | $7,623-87.8% | $7,775-88.1% |