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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 | $19,308 | $77,920-75.2% | $149,723-87.1% | $75,177-74.3% |
| Participation rate | 30.0% | 65.6%-35.6pp | 78.8%-48.8pp | 67.2%-37.2pp |
| Annual return | 17.32% | 31.72%-14.4pp | 134.50%-117.2pp | 160.75%-143.4pp |
| Employer contribution / active EE | $1,016 | $3,138-67.6% | $4,821-78.9% | $2,671-62.0% |
| Participant deferral / active EE | $1,415 | $3,411-58.5% | $5,682-75.1% | $4,126-65.7% |
| Admin fee / account holder | $9,982 | $5,951+67.7% | $13,215-24.5% | $5,651+76.6% |