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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 | $17,062 | $29,733-42.6% | $56,025-69.5% | $80,959-78.9% |
| Participation rate | 25.8% | 41.7%-15.9pp | 52.5%-26.7pp | 67.7%-41.9pp |
| Annual return | 17.98% | 35.28%-17.3pp | 1712.69%-1694.7pp | 35.67%-17.7pp |
| Employer contribution / active EE | $405 | $672-39.8% | $1,042-61.2% | $2,757-85.3% |
| Participant deferral / active EE | $1,275 | $1,229+3.7% | $1,955-34.8% | $4,300-70.4% |
| Admin fee / account holder | $1,125 | $2,434-53.8% | $2,828-60.2% | $6,925-83.8% |