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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 | $20,893 | $58,493-64.3% | $84,021-75.1% | $72,975-71.4% |
| Participation rate | 45.5% | 61.2%-15.8pp | 69.0%-23.6pp | 69.5%-24.0pp |
| Annual return | 22.94% | 28.93%-6.0pp | 71.32%-48.4pp | 81.01%-58.1pp |
| Employer contribution / active EE | $847 | $1,163-27.2% | $1,984-57.3% | $2,440-65.3% |
| Participant deferral / active EE | $1,738 | $2,394-27.4% | $3,239-46.3% | $3,608-51.8% |
| Admin fee / account holder | $2,071 | $4,569-54.7% | $6,102-66.1% | $5,124-59.6% |