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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 | $17,206 | $81,276-78.8% | $155,574-88.9% | $80,925-78.7% |
| Participation rate | 32.4% | 66.2%-33.9pp | 78.2%-45.9pp | 67.7%-35.3pp |
| Annual return | 16.76% | 33.36%-16.6pp | 64.87%-48.1pp | 35.65%-18.9pp |
| Employer contribution / active EE | $560 | $3,103-81.9% | $4,676-88.0% | $2,756-79.7% |
| Participant deferral / active EE | $1,594 | $3,453-53.8% | $5,629-71.7% | $4,299-62.9% |
| Admin fee / account holder | $653 | $7,993-91.8% | $15,914-95.9% | $6,940-90.6% |