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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 | $21,628 | $52,682-58.9% | $78,004-72.3% | $64,097-66.3% |
| Participation rate | 38.5% | 47.7%-9.2pp | 69.4%-31.0pp | 55.2%-16.7pp |
| Annual return | 16.24% | 22.45%-6.2pp | 31.07%-14.8pp | 34.64%-18.4pp |
| Employer contribution / active EE | $422 | $1,323-68.1% | $2,469-82.9% | $1,891-77.7% |
| Participant deferral / active EE | $1,518 | $2,346-35.3% | $4,092-62.9% | $3,080-50.7% |
| Admin fee / account holder | $3,873 | $5,420-28.5% | $7,578-48.9% | $3,454+12.1% |