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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 | $22,392 | $48,011-53.4% | $63,803-64.9% | $82,637-72.9% |
| Participation rate | 46.8% | 66.6%-19.8pp | 72.7%-25.9pp | 68.1%-21.3pp |
| Annual return | 20.24% | 19.84%+0.4pp | 543.72%-523.5pp | 53.51%-33.3pp |
| Employer contribution / active EE | $990 | $1,904-48.0% | $2,532-60.9% | $2,552-61.2% |
| Participant deferral / active EE | $1,791 | $2,846-37.1% | $3,843-53.4% | $4,126-56.6% |
| Admin fee / account holder | $685 | $3,873-82.3% | $5,196-86.8% | $7,339-90.7% |