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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 | $16,150 | $54,763-70.5% | $90,324-82.1% | $72,976-77.9% |
| Participation rate | 23.5% | 65.2%-41.6pp | 73.3%-49.8pp | 69.5%-46.0pp |
| Annual return | 24.99% | 30.63%-5.6pp | 78.15%-53.2pp | 81.02%-56.0pp |
| Employer contribution / active EE | $339 | $2,093-83.8% | $2,856-88.1% | $2,440-86.1% |
| Participant deferral / active EE | $2,061 | $2,887-28.6% | $3,885-47.0% | $3,608-42.9% |
| Admin fee / account holder | $2,708 | $3,973-31.8% | $5,356-49.4% | $5,124-47.1% |