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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 | $57,140-64.4% | $85,240-76.1% | $80,959-74.9% |
| Participation rate | 23.1% | 56.4%-33.3pp | 67.5%-44.5pp | 67.7%-44.6pp |
| Annual return | 16.92% | 21.71%-4.8pp | 66.75%-49.8pp | 35.67%-18.7pp |
| Employer contribution / active EE | $334 | $1,802-81.4% | $2,735-87.8% | $2,757-87.9% |
| Participant deferral / active EE | $1,395 | $3,115-55.2% | $4,527-69.2% | $4,300-67.6% |
| Admin fee / account holder | $8,294 | $4,992+66.1% | $6,165+34.5% | $6,925+19.8% |