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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 | $19,535 | $36,948-47.1% | $73,658-73.5% | $87,485-77.7% |
| Participation rate | 18.8% | 46.8%-28.1pp | 57.0%-38.3pp | 68.9%-50.2pp |
| Annual return | 19.47% | 28.64%-9.2pp | 29.72%-10.3pp | 26.06%-6.6pp |
| Employer contribution / active EE | $407 | $670-39.2% | $1,032-60.6% | $2,596-84.3% |
| Participant deferral / active EE | $1,457 | $1,379+5.7% | $2,062-29.3% | $4,274-65.9% |
| Admin fee / account holder | $508 | $2,531-79.9% | $3,357-84.9% | $7,775-93.5% |