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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 | $20,238 | $65,364-69.0% | $92,909-78.2% | $72,975-72.3% |
| Participation rate | 40.9% | 68.3%-27.4pp | 76.0%-35.1pp | 69.5%-28.6pp |
| Annual return | 25.64% | 42.11%-16.5pp | 109.44%-83.8pp | 81.01%-55.4pp |
| Employer contribution / active EE | $897 | $2,594-65.4% | $3,653-75.5% | $2,440-63.2% |
| Participant deferral / active EE | $2,162 | $3,128-30.9% | $4,238-49.0% | $3,608-40.1% |
| Admin fee / account holder | $2,698 | $4,251-36.5% | $5,795-53.4% | $5,124-47.4% |