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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 | $15,635 | $64,920-75.9% | $103,693-84.9% | $86,983-82.0% |
| Participation rate | 22.2% | 63.6%-41.4pp | 72.6%-50.4pp | 69.5%-47.3pp |
| Annual return | 22.33% | 30.29%-8.0pp | 47.61%-25.3pp | 25.83%-3.5pp |
| Employer contribution / active EE | $763 | $2,141-64.4% | $2,920-73.9% | $2,584-70.5% |
| Participant deferral / active EE | $1,447 | $3,241-55.3% | $4,579-68.4% | $4,194-65.5% |
| Admin fee / account holder | $2,798 | $6,191-54.8% | $7,858-64.4% | $7,856-64.4% |