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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 | $22,762 | $77,638-70.7% | $156,551-85.5% | $62,881-63.8% |
| Participation rate | 32.4% | 71.2%-38.8pp | 84.0%-51.7pp | 69.3%-37.0pp |
| Annual return | 15.97% | 50.33%-34.4pp | 32.23%-16.3pp | 20.14%-4.2pp |
| Employer contribution / active EE | $392 | $3,444-88.6% | $5,501-92.9% | $2,281-82.8% |
| Participant deferral / active EE | $1,130 | $3,046-62.9% | $4,871-76.8% | $3,203-64.7% |
| Admin fee / account holder | $1,621 | $5,561-70.9% | $13,028-87.6% | $4,296-62.3% |