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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 | $20,339 | $57,057-64.4% | $85,009-76.1% | $80,874-74.9% |
| Participation rate | 23.1% | 56.4%-33.3pp | 67.5%-44.4pp | 67.6%-44.6pp |
| Annual return | 16.92% | 21.66%-4.7pp | 66.47%-49.5pp | 35.62%-18.7pp |
| Employer contribution / active EE | $334 | $1,799-81.4% | $2,728-87.7% | $2,756-87.9% |
| Participant deferral / active EE | $1,395 | $3,112-55.2% | $4,522-69.2% | $4,297-67.5% |
| Admin fee / account holder | $8,294 | $4,986+66.3% | $6,153+34.8% | $6,935+19.6% |