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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 | $6,270 | $36,948-83.0% | $73,658-91.5% | $87,485-92.8% |
| Participation rate | 68.8% | 46.8%+21.9pp | 57.0%+11.7pp | 68.9%-0.2pp |
| Annual return | 21.62% | 28.64%-7.0pp | 29.72%-8.1pp | 26.06%-4.4pp |
| Employer contribution / active EE | $398 | $670-40.6% | $1,032-61.4% | $2,596-84.7% |
| Participant deferral / active EE | $589 | $1,379-57.3% | $2,062-71.4% | $4,274-86.2% |
| Admin fee / account holder | $1,081 | $2,531-57.3% | $3,357-67.8% | $7,775-86.1% |