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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 | $13,607 | $51,638-73.6% | $68,368-80.1% | $82,448-83.5% |
| Participation rate | 53.8% | 63.6%-9.8pp | 73.8%-19.9pp | 68.1%-14.2pp |
| Annual return | 21.64% | 37.53%-15.9pp | 292.57%-270.9pp | 41.64%-20.0pp |
| Employer contribution / active EE | $894 | $2,047-56.3% | $2,649-66.2% | $2,551-64.9% |
| Participant deferral / active EE | $1,818 | $2,914-37.6% | $4,123-55.9% | $4,139-56.1% |
| Admin fee / account holder | $1,124 | $4,643-75.8% | $5,150-78.2% | $7,234-84.5% |