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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 | $10,612 | $52,682-79.9% | $78,004-86.4% | $64,097-83.4% |
| Participation rate | 41.3% | 47.7%-6.4pp | 69.4%-28.2pp | 55.2%-13.9pp |
| Annual return | 22.00% | 22.45%-0.5pp | 31.07%-9.1pp | 34.64%-12.6pp |
| Employer contribution / active EE | $366 | $1,323-72.4% | $2,469-85.2% | $1,891-80.7% |
| Participant deferral / active EE | $1,295 | $2,346-44.8% | $4,092-68.4% | $3,080-58.0% |
| Admin fee / account holder | $1,300 | $5,420-76.0% | $7,578-82.8% | $3,454-62.4% |