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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 | $15,872 | $77,638-79.6% | $156,551-89.9% | $62,881-74.8% |
| Participation rate | 48.1% | 71.2%-23.1pp | 84.0%-35.9pp | 69.3%-21.2pp |
| Annual return | 30.32% | 50.33%-20.0pp | 32.23%-1.9pp | 20.14%+10.2pp |
| Employer contribution / active EE | $470 | $3,444-86.4% | $5,501-91.5% | $2,281-79.4% |
| Participant deferral / active EE | $1,311 | $3,046-57.0% | $4,871-73.1% | $3,203-59.1% |
| Admin fee / account holder | $529 | $5,561-90.5% | $13,028-95.9% | $4,296-87.7% |