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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 | $24,321 | $77,920-68.8% | $149,723-83.8% | $75,177-67.6% |
| Participation rate | 26.4% | 65.6%-39.1pp | 78.8%-52.3pp | 67.2%-40.8pp |
| Annual return | 19.71% | 31.72%-12.0pp | 134.50%-114.8pp | 160.75%-141.0pp |
| Employer contribution / active EE | $534 | $3,138-83.0% | $4,821-88.9% | $2,671-80.0% |
| Participant deferral / active EE | $1,186 | $3,411-65.2% | $5,682-79.1% | $4,126-71.3% |
| Admin fee / account holder | $572 | $5,951-90.4% | $13,215-95.7% | $5,651-89.9% |