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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 | $23,943 | $77,920-69.3% | $149,723-84.0% | $75,177-68.2% |
| Participation rate | 18.5% | 65.6%-47.1pp | 78.8%-60.3pp | 67.2%-48.7pp |
| Annual return | 34.85% | 31.72%+3.1pp | 134.50%-99.6pp | 160.75%-125.9pp |
| Employer contribution / active EE | $376 | $3,138-88.0% | $4,821-92.2% | $2,671-85.9% |
| Participant deferral / active EE | $1,623 | $3,411-52.4% | $5,682-71.4% | $4,126-60.7% |
| Admin fee / account holder | $609 | $5,951-89.8% | $13,215-95.4% | $5,651-89.2% |