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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 | $18,031 | $81,358-77.8% | $155,556-88.4% | $80,959-77.7% |
| Participation rate | 24.1% | 66.3%-42.1pp | 78.2%-54.1pp | 67.7%-43.5pp |
| Annual return | 20.33% | 33.39%-13.1pp | 64.84%-44.5pp | 35.67%-15.3pp |
| Employer contribution / active EE | $736 | $3,106-76.3% | $4,675-84.3% | $2,757-73.3% |
| Participant deferral / active EE | $1,446 | $3,455-58.2% | $5,631-74.3% | $4,300-66.4% |
| Admin fee / account holder | $17,112 | $7,994+114.1% | $15,885+7.7% | $6,925+147.1% |