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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 | $27,588 | $77,920-64.6% | $149,723-81.6% | $75,177-63.3% |
| Participation rate | 20.0% | 65.6%-45.6pp | 78.8%-58.8pp | 67.2%-47.2pp |
| Annual return | 16.03% | 31.72%-15.7pp | 134.50%-118.5pp | 160.75%-144.7pp |
| Employer contribution / active EE | $954 | $3,138-69.6% | $4,821-80.2% | $2,671-64.3% |
| Participant deferral / active EE | $1,390 | $3,411-59.3% | $5,682-75.5% | $4,126-66.3% |
| Admin fee / account holder | $703 | $5,951-88.2% | $13,215-94.7% | $5,651-87.6% |