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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 | $19,025 | $81,331-76.6% | $155,534-87.8% | $80,935-76.5% |
| Participation rate | 21.4% | 66.3%-44.8pp | 78.2%-56.8pp | 67.7%-46.2pp |
| Annual return | 12.72% | 33.37%-20.7pp | 64.92%-52.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $534 | $3,105-82.8% | $4,675-88.6% | $2,757-80.6% |
| Participant deferral / active EE | $1,051 | $3,454-69.6% | $5,630-81.3% | $4,299-75.6% |
| Admin fee / account holder | $6,089 | $7,999-23.9% | $15,900-61.7% | $6,924-12.1% |