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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 | $27,023 | $78,690-65.7% | $161,489-83.3% | $87,485-69.1% |
| Participation rate | 45.7% | 67.5%-21.8pp | 78.7%-33.0pp | 68.9%-23.2pp |
| Annual return | 17.85% | 32.74%-14.9pp | 89.72%-71.9pp | 26.06%-8.2pp |
| Employer contribution / active EE | $782 | $2,588-69.8% | $4,268-81.7% | $2,596-69.9% |
| Participant deferral / active EE | $2,367 | $3,311-28.5% | $5,630-58.0% | $4,274-44.6% |
| Admin fee / account holder | $483 | $6,724-92.8% | $16,006-97.0% | $7,775-93.8% |