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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 | $16,444 | $63,845-74.2% | $81,370-79.8% | $80,959-79.7% |
| Participation rate | 47.4% | 63.9%-16.5pp | 69.5%-22.2pp | 67.7%-20.3pp |
| Annual return | 28.83% | 16.37%+12.5pp | 24.85%+4.0pp | 35.67%-6.8pp |
| Employer contribution / active EE | $792 | $1,980-60.0% | $2,464-67.9% | $2,757-71.3% |
| Participant deferral / active EE | $1,381 | $3,093-55.3% | $3,885-64.4% | $4,300-67.9% |
| Admin fee / account holder | $1,008 | $5,688-82.3% | $5,749-82.5% | $6,925-85.4% |