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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 | $19,596 | $77,638-74.8% | $156,551-87.5% | $62,881-68.8% |
| Participation rate | 36.7% | 71.2%-34.5pp | 84.0%-47.3pp | 69.3%-32.6pp |
| Annual return | 8.74% | 50.33%-41.6pp | 32.23%-23.5pp | 20.14%-11.4pp |
| Employer contribution / active EE | $506 | $3,444-85.3% | $5,501-90.8% | $2,281-77.8% |
| Participant deferral / active EE | $875 | $3,046-71.3% | $4,871-82.0% | $3,203-72.7% |
| Admin fee / account holder | $1,481 | $5,561-73.4% | $13,028-88.6% | $4,296-65.5% |