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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 | $17,726 | $57,590-69.2% | $86,233-79.4% | $82,448-78.5% |
| Participation rate | 36.2% | 57.9%-21.7pp | 69.0%-32.8pp | 68.1%-31.9pp |
| Annual return | 14.26% | 22.41%-8.2pp | 61.39%-47.1pp | 41.64%-27.4pp |
| Employer contribution / active EE | $635 | $1,655-61.6% | $2,504-74.7% | $2,551-75.1% |
| Participant deferral / active EE | $1,082 | $3,080-64.9% | $4,559-76.3% | $4,139-73.9% |
| Admin fee / account holder | $5,672 | $4,730+19.9% | $8,342-32.0% | $7,234-21.6% |