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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 | $19,536 | $51,638-62.2% | $68,368-71.4% | $82,448-76.3% |
| Participation rate | 34.8% | 63.6%-28.8pp | 73.8%-39.0pp | 68.1%-33.3pp |
| Annual return | 15.11% | 37.53%-22.4pp | 292.57%-277.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,524 | $2,047-25.5% | $2,649-42.5% | $2,551-40.3% |
| Participant deferral / active EE | $2,536 | $2,914-13.0% | $4,123-38.5% | $4,139-38.7% |
| Admin fee / account holder | $2,468 | $4,643-46.9% | $5,150-52.1% | $7,234-65.9% |