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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 | $17,543 | $37,446-53.2% | $77,513-77.4% | $79,852-78.0% |
| Participation rate | 20.6% | 41.5%-20.9pp | 54.2%-33.6pp | 69.6%-49.0pp |
| Annual return | 39.00% | 39.76%-0.8pp | 54.81%-15.8pp | 31.72%+7.3pp |
| Employer contribution / active EE | $437 | $637-31.4% | $987-55.7% | $2,471-82.3% |
| Participant deferral / active EE | $984 | $1,261-22.0% | $1,861-47.1% | $3,740-73.7% |
| Admin fee / account holder | $586 | $2,506-76.6% | $2,859-79.5% | $5,306-89.0% |