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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 | $20,831 | $65,361-68.1% | $92,903-77.6% | $72,983-71.5% |
| Participation rate | 58.8% | 68.3%-9.5pp | 76.0%-17.2pp | 69.5%-10.7pp |
| Annual return | 20.62% | 42.11%-21.5pp | 109.43%-88.8pp | 81.01%-60.4pp |
| Employer contribution / active EE | $749 | $2,594-71.1% | $3,653-79.5% | $2,440-69.3% |
| Participant deferral / active EE | $1,680 | $3,128-46.3% | $4,238-60.3% | $3,608-53.4% |
| Admin fee / account holder | $4,918 | $4,251+15.7% | $5,795-15.1% | $5,124-4.0% |