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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 | $10,122 | $81,358-87.6% | $155,556-93.5% | $80,959-87.5% |
| Participation rate | 25.4% | 66.3%-40.9pp | 78.2%-52.8pp | 67.7%-42.3pp |
| Annual return | 16.09% | 33.39%-17.3pp | 64.84%-48.7pp | 35.67%-19.6pp |
| Employer contribution / active EE | $630 | $3,106-79.7% | $4,675-86.5% | $2,757-77.1% |
| Participant deferral / active EE | $1,612 | $3,455-53.4% | $5,631-71.4% | $4,300-62.5% |
| Admin fee / account holder | $730 | $7,994-90.9% | $15,885-95.4% | $6,925-89.5% |