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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 | $19,854 | $65,395-69.6% | $182,558-89.1% | $72,976-72.8% |
| Participation rate | 43.1% | 65.4%-22.3pp | 78.0%-34.8pp | 69.5%-26.4pp |
| Annual return | 29.33% | 27.68%+1.6pp | 148.59%-119.3pp | 81.02%-51.7pp |
| Employer contribution / active EE | $978 | $1,911-48.8% | $4,076-76.0% | $2,440-59.9% |
| Participant deferral / active EE | $1,608 | $3,563-54.9% | $5,526-70.9% | $3,608-55.4% |
| Admin fee / account holder | $338 | $4,245-92.0% | $8,594-96.1% | $5,124-93.4% |