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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 | $21,804 | $58,512-62.7% | $84,020-74.0% | $72,983-70.1% |
| Participation rate | 39.6% | 61.2%-21.6pp | 69.0%-29.4pp | 69.5%-29.9pp |
| Annual return | 17.20% | 28.93%-11.7pp | 71.31%-54.1pp | 81.01%-63.8pp |
| Employer contribution / active EE | $465 | $1,163-60.0% | $1,984-76.6% | $2,440-81.0% |
| Participant deferral / active EE | $1,356 | $2,394-43.3% | $3,239-58.1% | $3,608-62.4% |
| Admin fee / account holder | $461 | $4,569-89.9% | $6,101-92.4% | $5,124-91.0% |