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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 | $11,313 | $45,343-75.1% | $150,298-92.5% | $67,986-83.4% |
| Participation rate | 35.5% | 51.9%-16.4pp | 77.8%-42.3pp | 57.2%-21.8pp |
| Annual return | 18.55% | 33.28%-14.7pp | 62.79%-44.2pp | 31.67%-13.1pp |
| Employer contribution / active EE | $212 | $1,462-85.5% | $4,154-94.9% | $2,019-89.5% |
| Participant deferral / active EE | $1,471 | $2,055-28.4% | $5,453-73.0% | $3,358-56.2% |
| Admin fee / account holder | $2,275 | $2,250+1.1% | $14,116-83.9% | $3,203-29.0% |