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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 | $17,916 | $37,436-52.1% | $77,513-76.9% | $79,858-77.6% |
| Participation rate | 11.8% | 41.5%-29.7pp | 54.2%-42.3pp | 69.6%-57.8pp |
| Annual return | 12.26% | 39.75%-27.5pp | 54.81%-42.5pp | 31.72%-19.5pp |
| Employer contribution / active EE | $962 | $637+51.0% | $987-2.5% | $2,471-61.1% |
| Participant deferral / active EE | $1,942 | $1,261+54.1% | $1,861+4.4% | $3,740-48.1% |
| Admin fee / account holder | $1,298 | $2,505-48.2% | $2,859-54.6% | $5,306-75.5% |