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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 | $21,995 | $51,736-57.5% | $120,225-81.7% | $67,986-67.6% |
| Participation rate | 19.6% | 46.1%-26.4pp | 69.6%-49.9pp | 57.2%-37.6pp |
| Annual return | 18.06% | 31.98%-13.9pp | 439.23%-421.2pp | 31.67%-13.6pp |
| Employer contribution / active EE | $298 | $1,071-72.2% | $3,475-91.4% | $2,019-85.2% |
| Participant deferral / active EE | $1,116 | $2,206-49.4% | $3,999-72.1% | $3,358-66.8% |
| Admin fee / account holder | $1,725 | $4,159-58.5% | $5,696-69.7% | $3,203-46.2% |