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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 | $19,306 | $61,390-68.6% | $112,228-82.8% | $75,177-74.3% |
| Participation rate | 50.0% | 61.6%-11.6pp | 72.4%-22.4pp | 67.2%-17.2pp |
| Annual return | 14.53% | 28.47%-13.9pp | 30.23%-15.7pp | 160.75%-146.2pp |
| Employer contribution / active EE | $940 | $2,015-53.4% | $3,432-72.6% | $2,671-64.8% |
| Participant deferral / active EE | $1,544 | $3,108-50.3% | $4,800-67.8% | $4,126-62.6% |
| Admin fee / account holder | $4,355 | $4,862-10.4% | $7,752-43.8% | $5,651-22.9% |