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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 | $17,553 | $57,119-69.3% | $85,187-79.4% | $80,935-78.3% |
| Participation rate | 69.6% | 56.4%+13.2pp | 67.5%+2.0pp | 67.7%+1.9pp |
| Annual return | 15.65% | 21.70%-6.0pp | 66.67%-51.0pp | 35.66%-20.0pp |
| Employer contribution / active EE | $419 | $1,802-76.8% | $2,732-84.7% | $2,757-84.8% |
| Participant deferral / active EE | $2,857 | $3,115-8.3% | $4,525-36.9% | $4,299-33.6% |
| Admin fee / account holder | $4,729 | $4,990-5.2% | $6,162-23.3% | $6,924-31.7% |