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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 | $15,015 | $58,311-74.3% | $81,882-81.7% | $80,959-81.5% |
| Participation rate | 42.3% | 63.5%-21.2pp | 72.4%-30.1pp | 67.7%-25.4pp |
| Annual return | 15.39% | 41.85%-26.5pp | 779.47%-764.1pp | 35.67%-20.3pp |
| Employer contribution / active EE | $342 | $2,347-85.4% | $2,916-88.3% | $2,757-87.6% |
| Participant deferral / active EE | $1,185 | $3,287-63.9% | $4,323-72.6% | $4,300-72.4% |
| Admin fee / account holder | $6,176 | $4,752+30.0% | $7,360-16.1% | $6,925-10.8% |