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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 | $18,745 | $58,099-67.7% | $76,872-75.6% | $75,173-75.1% |
| Participation rate | 30.0% | 63.9%-33.9pp | 69.6%-39.6pp | 67.2%-37.2pp |
| Annual return | 20.64% | 26.71%-6.1pp | 37.90%-17.3pp | 160.72%-140.1pp |
| Employer contribution / active EE | $713 | $1,996-64.3% | $2,533-71.9% | $2,671-73.3% |
| Participant deferral / active EE | $2,017 | $2,999-32.7% | $3,832-47.4% | $4,126-51.1% |
| Admin fee / account holder | $5,493 | $4,778+15.0% | $5,476+0.3% | $5,651-2.8% |