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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 | $15,582 | $78,690-80.2% | $161,489-90.4% | $87,485-82.2% |
| Participation rate | 29.6% | 67.5%-37.8pp | 78.7%-49.1pp | 68.9%-39.3pp |
| Annual return | 24.12% | 32.74%-8.6pp | 89.72%-65.6pp | 26.06%-1.9pp |
| Employer contribution / active EE | $946 | $2,588-63.5% | $4,268-77.8% | $2,596-63.6% |
| Participant deferral / active EE | $979 | $3,311-70.4% | $5,630-82.6% | $4,274-77.1% |
| Admin fee / account holder | $1,429 | $6,724-78.7% | $16,006-91.1% | $7,775-81.6% |