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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 | $20,934 | $49,896-58.0% | $80,627-74.0% | $75,173-72.2% |
| Participation rate | 19.7% | 55.3%-35.6pp | 67.0%-47.3pp | 67.2%-47.5pp |
| Annual return | 19.85% | 34.67%-14.8pp | 936.76%-916.9pp | 160.72%-140.9pp |
| Employer contribution / active EE | $383 | $1,699-77.5% | $2,723-85.9% | $2,671-85.7% |
| Participant deferral / active EE | $1,495 | $2,992-50.0% | $4,443-66.3% | $4,126-63.8% |
| Admin fee / account holder | $1,625 | $3,578-54.6% | $5,381-69.8% | $5,651-71.2% |