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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 | $18,549 | $47,944-61.3% | $67,834-72.7% | $62,881-70.5% |
| Participation rate | 46.2% | 61.1%-14.9pp | 68.8%-22.6pp | 69.3%-23.2pp |
| Annual return | 6.44% | 11.77%-5.3pp | 138.47%-132.0pp | 20.14%-13.7pp |
| Employer contribution / active EE | $786 | $1,562-49.7% | $2,403-67.3% | $2,281-65.5% |
| Participant deferral / active EE | $1,525 | $2,247-32.1% | $3,160-51.7% | $3,203-52.4% |
| Admin fee / account holder | $1,501 | $3,712-59.6% | $4,622-67.5% | $4,296-65.1% |