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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 | $16,762 | $69,444-75.9% | $92,985-82.0% | $87,485-80.8% |
| Participation rate | 34.4% | 63.3%-28.9pp | 69.5%-35.1pp | 68.9%-34.6pp |
| Annual return | 13.99% | 23.85%-9.9pp | 27.99%-14.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,186 | $1,917-38.1% | $2,662-55.4% | $2,596-54.3% |
| Participant deferral / active EE | $2,608 | $3,364-22.5% | $4,377-40.4% | $4,274-39.0% |
| Admin fee / account holder | $10,899 | $6,137+77.6% | $9,463+15.2% | $7,775+40.2% |