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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 | $18,450 | $37,422-50.7% | $92,985-80.2% | $64,728-71.5% |
| Participation rate | 9.6% | 40.1%-30.5pp | 69.5%-59.9pp | 57.9%-48.3pp |
| Annual return | 17.57% | 20.66%-3.1pp | 27.99%-10.4pp | 49.38%-31.8pp |
| Employer contribution / active EE | $196 | $1,156-83.0% | $2,662-92.6% | $2,243-91.2% |
| Participant deferral / active EE | $472 | $1,740-72.9% | $4,377-89.2% | $2,729-82.7% |
| Admin fee / account holder | $1,211 | $2,190-44.7% | $9,463-87.2% | $1,145+5.8% |