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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 | $19,179 | $76,407-74.9% | $150,298-87.2% | $82,448-76.7% |
| Participation rate | 38.5% | 66.4%-27.9pp | 77.8%-39.3pp | 68.1%-29.6pp |
| Annual return | 19.52% | 39.99%-20.5pp | 62.79%-43.3pp | 41.64%-22.1pp |
| Employer contribution / active EE | $483 | $2,614-81.5% | $4,154-88.4% | $2,551-81.1% |
| Participant deferral / active EE | $1,293 | $3,214-59.8% | $5,453-76.3% | $4,139-68.8% |
| Admin fee / account holder | $338 | $6,352-94.7% | $14,116-97.6% | $7,234-95.3% |