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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 | $18,699 | $69,590-73.1% | $136,867-86.3% | $94,015-80.1% |
| Participation rate | 46.9% | 66.3%-19.4pp | 74.5%-27.6pp | 70.8%-23.9pp |
| Annual return | 21.60% | 19.62%+2.0pp | 42.97%-21.4pp | 17.84%+3.8pp |
| Employer contribution / active EE | $535 | $2,396-77.7% | $3,547-84.9% | $2,790-80.8% |
| Participant deferral / active EE | $1,803 | $3,437-47.5% | $4,924-63.4% | $4,249-57.6% |
| Admin fee / account holder | $357 | $8,912-96.0% | $10,340-96.5% | $8,951-96.0% |