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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 | $12,017 | $94,439-87.3% | $73,658-83.7% | $154,746-92.2% |
| Participation rate | 12.5% | 64.7%-52.2pp | 57.0%-44.5pp | 80.7%-68.2pp |
| Annual return | 10.75% | 28.25%-17.5pp | 29.72%-19.0pp | 172.34%-161.6pp |
| Employer contribution / active EE | $240 | $1,257-80.9% | $1,032-76.7% | $4,379-94.5% |
| Participant deferral / active EE | $659 | $2,527-73.9% | $2,062-68.0% | $6,730-90.2% |
| Admin fee / account holder | $4,542 | $3,843+18.2% | $3,357+35.3% | $14,365-68.4% |