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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 | $17,768 | $39,132-54.6% | $57,196-68.9% | $62,881-71.7% |
| Participation rate | 60.7% | 70.5%-9.8pp | 75.3%-14.7pp | 69.3%-8.6pp |
| Annual return | 6.66% | 9.24%-2.6pp | 14.59%-7.9pp | 20.14%-13.5pp |
| Employer contribution / active EE | $484 | $1,874-74.2% | $2,683-81.9% | $2,281-78.8% |
| Participant deferral / active EE | $1,623 | $2,374-31.6% | $3,096-47.6% | $3,203-49.3% |
| Admin fee / account holder | $598 | $2,594-76.9% | $3,141-81.0% | $4,296-86.1% |