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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 | $18,390 | $53,774-65.8% | $134,162-86.3% | $79,852-77.0% |
| Participation rate | 44.2% | 58.8%-14.5pp | 72.2%-28.0pp | 69.6%-25.4pp |
| Annual return | 20.08% | 19.01%+1.1pp | 36.35%-16.3pp | 31.72%-11.6pp |
| Employer contribution / active EE | $766 | $1,322-42.0% | $3,705-79.3% | $2,471-69.0% |
| Participant deferral / active EE | $1,353 | $2,420-44.1% | $3,500-61.3% | $3,740-63.8% |
| Admin fee / account holder | $2,220 | $3,985-44.3% | $6,685-66.8% | $5,306-58.2% |