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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 | $81,262-87.5% | $155,602-93.5% | $80,911-87.5% |
| Participation rate | 25.4% | 66.2%-40.8pp | 78.2%-52.8pp | 67.6%-42.3pp |
| Annual return | 16.09% | 33.34%-17.3pp | 64.81%-48.7pp | 35.63%-19.5pp |
| Employer contribution / active EE | $630 | $3,102-79.7% | $4,675-86.5% | $2,756-77.1% |
| Participant deferral / active EE | $1,612 | $3,451-53.3% | $5,629-71.4% | $4,297-62.5% |
| Admin fee / account holder | $730 | $7,992-90.9% | $15,923-95.4% | $6,935-89.5% |