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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 | $16,523 | $36,767-55.1% | $81,473-79.7% | $62,293-73.5% |
| Participation rate | 22.5% | 54.4%-31.9pp | 68.0%-45.5pp | 69.5%-47.0pp |
| Annual return | 19.15% | 173.80%-154.6pp | 38.78%-19.6pp | 28.90%-9.7pp |
| Employer contribution / active EE | $187 | $1,128-83.5% | $2,568-92.7% | $2,042-90.9% |
| Participant deferral / active EE | $1,650 | $2,111-21.8% | $3,537-53.4% | $3,169-48.0% |
| Admin fee / account holder | $1,234 | $797+54.7% | $4,561-73.0% | $479+157.3% |