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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 | $21,619 | $58,057-62.8% | $97,032-77.7% | $86,983-75.1% |
| Participation rate | 18.2% | 60.4%-42.2pp | 71.6%-53.4pp | 69.5%-51.4pp |
| Annual return | 19.32% | 22.26%-2.9pp | 35.38%-16.1pp | 25.83%-6.5pp |
| Employer contribution / active EE | $623 | $1,663-62.5% | $2,629-76.3% | $2,584-75.9% |
| Participant deferral / active EE | $970 | $3,244-70.1% | $4,672-79.2% | $4,194-76.9% |
| Admin fee / account holder | $2,269 | $4,839-53.1% | $9,418-75.9% | $7,856-71.1% |