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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 | $19,916 | $35,183-43.4% | $73,550-72.9% | $70,126-71.6% |
| Participation rate | 47.4% | 42.9%+4.5pp | 54.9%-7.5pp | 69.5%-22.1pp |
| Annual return | 17.57% | 26.90%-9.3pp | -15.16%+32.7pp | 73.15%-55.6pp |
| Employer contribution / active EE | $441 | $709-37.8% | $1,219-63.9% | $2,343-81.2% |
| Participant deferral / active EE | $1,056 | $1,220-13.4% | $1,804-41.5% | $3,332-68.3% |
| Admin fee / account holder | $739 | $2,302-67.9% | $2,320-68.1% | $4,645-84.1% |