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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 | $23,398 | $78,690-70.3% | $161,489-85.5% | $87,485-73.3% |
| Participation rate | 13.0% | 67.5%-54.4pp | 78.7%-65.7pp | 68.9%-55.9pp |
| Annual return | 23.45% | 32.74%-9.3pp | 89.72%-66.3pp | 26.06%-2.6pp |
| Employer contribution / active EE | $485 | $2,588-81.3% | $4,268-88.6% | $2,596-81.3% |
| Participant deferral / active EE | $989 | $3,311-70.1% | $5,630-82.4% | $4,274-76.9% |
| Admin fee / account holder | $410 | $6,724-93.9% | $16,006-97.4% | $7,775-94.7% |