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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 | $17,874 | $37,446-52.3% | $77,552-77.0% | $79,856-77.6% |
| Participation rate | 20.7% | 41.5%-20.8pp | 54.2%-33.5pp | 69.6%-49.0pp |
| Annual return | 20.73% | 39.76%-19.0pp | 54.82%-34.1pp | 31.71%-11.0pp |
| Employer contribution / active EE | $323 | $637-49.3% | $987-67.3% | $2,471-86.9% |
| Participant deferral / active EE | $916 | $1,261-27.4% | $1,861-50.8% | $3,741-75.5% |
| Admin fee / account holder | $397 | $2,506-84.2% | $2,859-86.1% | $5,306-92.5% |