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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 | $13,749 | $48,011-71.4% | $63,803-78.5% | $82,637-83.4% |
| Participation rate | 45.2% | 66.6%-21.4pp | 72.7%-27.5pp | 68.1%-22.9pp |
| Annual return | 19.12% | 19.84%-0.7pp | 543.72%-524.6pp | 53.51%-34.4pp |
| Employer contribution / active EE | $883 | $1,904-53.6% | $2,532-65.1% | $2,552-65.4% |
| Participant deferral / active EE | $1,093 | $2,846-61.6% | $3,843-71.6% | $4,126-73.5% |
| Admin fee / account holder | $1,000 | $3,873-74.2% | $5,196-80.8% | $7,339-86.4% |