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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 | $11,220 | $75,541-85.1% | $152,093-92.6% | $82,637-86.4% |
| Participation rate | 40.0% | 66.5%-26.5pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 20.85% | 32.56%-11.7pp | 66.36%-45.5pp | 53.51%-32.7pp |
| Employer contribution / active EE | $621 | $2,622-76.3% | $4,175-85.1% | $2,552-75.7% |
| Participant deferral / active EE | $1,123 | $3,206-65.0% | $5,451-79.4% | $4,126-72.8% |
| Admin fee / account holder | $1,329 | $6,405-79.2% | $14,497-90.8% | $7,339-81.9% |