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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 | $22,705 | $25,014-9.2% | $69,632-67.4% | $80,959-72.0% |
| Participation rate | 31.4% | 64.2%-32.8pp | 66.4%-35.1pp | 67.7%-36.3pp |
| Annual return | 14.32% | 19.08%-4.8pp | 101.32%-87.0pp | 35.67%-21.3pp |
| Employer contribution / active EE | $819 | $991-17.4% | $1,708-52.1% | $2,757-70.3% |
| Participant deferral / active EE | $1,382 | $1,840-24.9% | $2,889-52.2% | $4,300-67.9% |
| Admin fee / account holder | $7,057 | $2,491+183.3% | $4,695+50.3% | $6,925+1.9% |