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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 | $14,785 | $49,791-70.3% | $78,210-81.1% | $70,126-78.9% |
| Participation rate | 25.7% | 62.3%-36.6pp | 68.7%-43.0pp | 69.5%-43.8pp |
| Annual return | 34.28% | 20.75%+13.5pp | 40.90%-6.6pp | 73.15%-38.9pp |
| Employer contribution / active EE | $444 | $1,430-69.0% | $2,034-78.2% | $2,343-81.1% |
| Participant deferral / active EE | $1,716 | $2,150-20.2% | $2,823-39.2% | $3,332-48.5% |
| Admin fee / account holder | $514 | $3,181-83.9% | $3,758-86.3% | $4,645-88.9% |