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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 | $19,959 | $32,037-37.7% | $69,182-71.1% | $62,881-68.3% |
| Participation rate | 12.9% | 43.4%-30.5pp | 55.1%-42.2pp | 69.3%-56.4pp |
| Annual return | 8.32% | 15.16%-6.8pp | -21.93%+30.3pp | 20.14%-11.8pp |
| Employer contribution / active EE | $598 | $679-11.9% | $1,206-50.4% | $2,281-73.8% |
| Participant deferral / active EE | $1,072 | $1,185-9.6% | $1,897-43.5% | $3,203-66.5% |
| Admin fee / account holder | $448 | $2,608-82.8% | $2,697-83.4% | $4,296-89.6% |