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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 | $27,318 | $48,118-43.2% | $136,833-80.0% | $94,015-70.9% |
| Participation rate | 8.6% | 47.4%-38.8pp | 59.0%-50.4pp | 70.8%-62.2pp |
| Annual return | 21.10% | 14.65%+6.5pp | 35.32%-14.2pp | 17.84%+3.3pp |
| Employer contribution / active EE | $115 | $821-86.0% | $1,319-91.3% | $2,790-95.9% |
| Participant deferral / active EE | $483 | $1,651-70.8% | $2,441-80.2% | $4,249-88.6% |
| Admin fee / account holder | $1,120 | $3,059-63.4% | $4,706-76.2% | $8,951-87.5% |