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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 | $15,816 | $59,804-73.6% | $81,982-80.7% | $79,856-80.2% |
| Participation rate | 37.3% | 61.6%-24.3pp | 69.3%-31.9pp | 69.6%-32.3pp |
| Annual return | 39.92% | 17.56%+22.4pp | 41.31%-1.4pp | 31.71%+8.2pp |
| Employer contribution / active EE | $807 | $1,713-52.9% | $2,498-67.7% | $2,471-67.3% |
| Participant deferral / active EE | $1,942 | $2,695-27.9% | $3,722-47.8% | $3,741-48.1% |
| Admin fee / account holder | $1,222 | $4,288-71.5% | $5,665-78.4% | $5,306-77.0% |