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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 | $57,073-65.5% | $85,126-76.9% | $80,925-75.7% |
| Participation rate | 16.9% | 56.4%-39.4pp | 67.5%-50.6pp | 67.7%-50.7pp |
| Annual return | 11.28% | 21.69%-10.4pp | 66.63%-55.4pp | 35.65%-24.4pp |
| Employer contribution / active EE | $465 | $1,801-74.2% | $2,731-83.0% | $2,756-83.1% |
| Participant deferral / active EE | $1,376 | $3,113-55.8% | $4,523-69.6% | $4,299-68.0% |
| Admin fee / account holder | $4,675 | $4,988-6.3% | $6,160-24.1% | $6,940-32.6% |