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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 | $19,679 | $57,057-65.5% | $85,009-76.9% | $80,874-75.7% |
| Participation rate | 16.9% | 56.4%-39.4pp | 67.5%-50.6pp | 67.6%-50.7pp |
| Annual return | 11.28% | 21.66%-10.4pp | 66.47%-55.2pp | 35.62%-24.3pp |
| Employer contribution / active EE | $465 | $1,799-74.1% | $2,728-82.9% | $2,756-83.1% |
| Participant deferral / active EE | $1,376 | $3,112-55.8% | $4,522-69.6% | $4,297-68.0% |
| Admin fee / account holder | $4,675 | $4,986-6.2% | $6,153-24.0% | $6,935-32.6% |