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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 | $23,183 | $25,014-7.3% | $69,623-66.7% | $80,935-71.4% |
| Participation rate | 18.4% | 64.2%-45.8pp | 66.4%-48.1pp | 67.7%-49.3pp |
| Annual return | 17.32% | 19.08%-1.8pp | 101.23%-83.9pp | 35.66%-18.3pp |
| Employer contribution / active EE | $525 | $991-47.0% | $1,709-69.3% | $2,757-80.9% |
| Participant deferral / active EE | $1,517 | $1,840-17.5% | $2,890-47.5% | $4,299-64.7% |
| Admin fee / account holder | $380 | $2,491-84.8% | $4,696-91.9% | $6,924-94.5% |