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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 | $18,536 | $77,901-76.2% | $149,717-87.6% | $75,181-75.3% |
| Participation rate | 45.5% | 65.6%-20.1pp | 78.8%-33.3pp | 67.2%-21.7pp |
| Annual return | 105.35% | 31.73%+73.6pp | 134.41%-29.1pp | 160.69%-55.3pp |
| Employer contribution / active EE | $976 | $3,137-68.9% | $4,820-79.8% | $2,671-63.5% |
| Participant deferral / active EE | $2,092 | $3,411-38.7% | $5,682-63.2% | $4,126-49.3% |
| Admin fee / account holder | $1,335 | $5,949-77.6% | $13,213-89.9% | $5,650-76.4% |