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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 | $17,613 | $63,861-72.4% | $104,625-83.2% | $79,852-77.9% |
| Participation rate | 35.6% | 64.9%-29.4pp | 74.1%-38.5pp | 69.6%-34.1pp |
| Annual return | 16.50% | 21.30%-4.8pp | 340.60%-324.1pp | 31.72%-15.2pp |
| Employer contribution / active EE | $390 | $1,588-75.4% | $2,681-85.4% | $2,471-84.2% |
| Participant deferral / active EE | $1,018 | $2,693-62.2% | $3,738-72.8% | $3,740-72.8% |
| Admin fee / account holder | $1,045 | $4,185-75.0% | $6,465-83.8% | $5,306-80.3% |