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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 | $17,766 | $46,464-61.8% | $150,298-88.2% | $79,634-77.7% |
| Participation rate | 14.3% | 57.0%-42.7pp | 77.8%-63.5pp | 62.5%-48.2pp |
| Annual return | 31.49% | 27.89%+3.6pp | 62.79%-31.3pp | 36.46%-5.0pp |
| Employer contribution / active EE | $245 | $1,512-83.8% | $4,154-94.1% | $2,529-90.3% |
| Participant deferral / active EE | $718 | $2,157-66.7% | $5,453-86.8% | $3,835-81.3% |
| Admin fee / account holder | $1,206 | $891+35.4% | $14,116-91.5% | $1,002+20.4% |