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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 | $21,538 | $45,312-52.5% | $86,233-75.0% | $67,986-68.3% |
| Participation rate | 20.0% | 42.4%-22.4pp | 69.0%-49.0pp | 57.2%-37.2pp |
| Annual return | 20.61% | 24.79%-4.2pp | 61.39%-40.8pp | 31.67%-11.1pp |
| Employer contribution / active EE | $716 | $1,160-38.2% | $2,504-71.4% | $2,019-64.5% |
| Participant deferral / active EE | $1,282 | $2,185-41.3% | $4,559-71.9% | $3,358-61.8% |
| Admin fee / account holder | $2,949 | $3,295-10.5% | $8,342-64.7% | $3,203-7.9% |