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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 | $17,435 | $52,580-66.8% | $71,671-75.7% | $70,126-75.1% |
| Participation rate | 46.7% | 60.9%-14.2pp | 68.7%-22.1pp | 69.5%-22.9pp |
| Annual return | 21.08% | 20.25%+0.8pp | 20.65%+0.4pp | 73.15%-52.1pp |
| Employer contribution / active EE | $994 | $1,616-38.5% | $2,460-59.6% | $2,343-57.5% |
| Participant deferral / active EE | $1,161 | $2,386-51.3% | $3,438-66.2% | $3,332-65.2% |
| Admin fee / account holder | $1,739 | $3,653-52.4% | $5,558-68.7% | $4,645-62.6% |