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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 | $15,188 | $46,599-67.4% | $64,101-76.3% | $75,173-79.8% |
| Participation rate | 52.0% | 65.9%-13.9pp | 72.3%-20.3pp | 67.2%-15.2pp |
| Annual return | 23.48% | 26.06%-2.6pp | 33.72%-10.2pp | 160.72%-137.2pp |
| Employer contribution / active EE | $1,171 | $1,975-40.7% | $2,749-57.4% | $2,671-56.2% |
| Participant deferral / active EE | $2,723 | $2,837-4.0% | $3,881-29.8% | $4,126-34.0% |
| Admin fee / account holder | $380 | $2,956-87.1% | $3,070-87.6% | $5,651-93.3% |