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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 | $21,981 | $45,266-51.4% | $103,693-78.8% | $65,306-66.3% |
| Participation rate | 24.8% | 53.3%-28.5pp | 72.6%-47.9pp | 57.7%-32.9pp |
| Annual return | 16.29% | 25.10%-8.8pp | 47.61%-31.3pp | 21.94%-5.7pp |
| Employer contribution / active EE | $530 | $1,765-70.0% | $2,920-81.8% | $1,967-73.1% |
| Participant deferral / active EE | $985 | $2,099-53.1% | $4,579-78.5% | $2,959-66.7% |
| Admin fee / account holder | $1,682 | $3,221-47.8% | $7,858-78.6% | $3,480-51.7% |