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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 | $22,137 | $61,356-63.9% | $149,696-85.2% | $71,511-69.0% |
| Participation rate | 26.6% | 62.5%-36.0pp | 78.8%-52.2pp | 67.9%-41.4pp |
| Annual return | 17.49% | 35.86%-18.4pp | 134.46%-117.0pp | 28.86%-11.4pp |
| Employer contribution / active EE | $549 | $2,382-77.0% | $4,821-88.6% | $2,589-78.8% |
| Participant deferral / active EE | $942 | $2,920-67.7% | $5,682-83.4% | $4,291-78.0% |
| Admin fee / account holder | $1,808 | $1,263+43.1% | $13,212-86.3% | $1,588+13.8% |