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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 | $16,623 | $77,638-78.6% | $156,551-89.4% | $62,881-73.6% |
| Participation rate | 36.7% | 71.2%-34.5pp | 84.0%-47.3pp | 69.3%-32.6pp |
| Annual return | 12.40% | 50.33%-37.9pp | 32.23%-19.8pp | 20.14%-7.7pp |
| Employer contribution / active EE | $936 | $3,444-72.8% | $5,501-83.0% | $2,281-59.0% |
| Participant deferral / active EE | $1,810 | $3,046-40.6% | $4,871-62.8% | $3,203-43.5% |
| Admin fee / account holder | $2,088 | $5,561-62.4% | $13,028-84.0% | $4,296-51.4% |