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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 | $12,915 | $61,816-79.1% | $97,260-86.7% | $80,935-84.0% |
| Participation rate | 54.2% | 63.5%-9.3pp | 72.7%-18.5pp | 67.7%-13.5pp |
| Annual return | 12.28% | -558.73%+571.0pp | 75.54%-63.3pp | 35.66%-23.4pp |
| Employer contribution / active EE | $862 | $1,836-53.1% | $2,721-68.3% | $2,757-68.7% |
| Participant deferral / active EE | $1,326 | $3,027-56.2% | $4,262-68.9% | $4,299-69.2% |
| Admin fee / account holder | $1,085 | $5,166-79.0% | $5,640-80.8% | $6,924-84.3% |