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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 | $19,720 | $39,286-49.8% | $80,741-75.6% | $79,391-75.2% |
| Participation rate | 14.8% | 41.0%-26.1pp | 54.2%-39.3pp | 70.7%-55.9pp |
| Annual return | 19.65% | 98.95%-79.3pp | 87.30%-67.7pp | 116.88%-97.2pp |
| Employer contribution / active EE | $314 | $594-47.1% | $1,160-72.9% | $2,428-87.1% |
| Participant deferral / active EE | $751 | $1,264-40.5% | $2,145-65.0% | $4,046-81.4% |
| Admin fee / account holder | $601 | $647-7.0% | $3,380-82.2% | $627-4.0% |