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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 | $16,778 | $29,733-43.6% | $56,025-70.1% | $80,959-79.3% |
| Participation rate | 19.2% | 41.7%-22.5pp | 52.5%-33.3pp | 67.7%-48.4pp |
| Annual return | 17.63% | 35.28%-17.6pp | 1712.69%-1695.1pp | 35.67%-18.0pp |
| Employer contribution / active EE | $608 | $672-9.4% | $1,042-41.6% | $2,757-77.9% |
| Participant deferral / active EE | $1,286 | $1,229+4.6% | $1,955-34.2% | $4,300-70.1% |
| Admin fee / account holder | $2,653 | $2,434+9.0% | $2,828-6.2% | $6,925-61.7% |