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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 | $17,401 | $81,331-78.6% | $155,534-88.8% | $80,935-78.5% |
| Participation rate | 16.7% | 66.3%-49.6pp | 78.2%-61.6pp | 67.7%-51.0pp |
| Annual return | 15.20% | 33.37%-18.2pp | 64.92%-49.7pp | 35.66%-20.5pp |
| Employer contribution / active EE | $657 | $3,105-78.8% | $4,675-85.9% | $2,757-76.2% |
| Participant deferral / active EE | $1,665 | $3,454-51.8% | $5,630-70.4% | $4,299-61.3% |
| Admin fee / account holder | $1,701 | $7,999-78.7% | $15,900-89.3% | $6,924-75.4% |