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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 | $20,417 | $76,407-73.3% | $150,298-86.4% | $82,448-75.2% |
| Participation rate | 22.7% | 66.4%-43.7pp | 77.8%-55.0pp | 68.1%-45.3pp |
| Annual return | 21.38% | 39.99%-18.6pp | 62.79%-41.4pp | 41.64%-20.3pp |
| Employer contribution / active EE | $787 | $2,614-69.9% | $4,154-81.1% | $2,551-69.2% |
| Participant deferral / active EE | $1,409 | $3,214-56.2% | $5,453-74.2% | $4,139-66.0% |
| Admin fee / account holder | $4,923 | $6,352-22.5% | $14,116-65.1% | $7,234-31.9% |