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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 | $17,657 | $32,037-44.9% | $69,182-74.5% | $62,881-71.9% |
| Participation rate | 44.4% | 43.4%+1.0pp | 55.1%-10.7pp | 69.3%-24.9pp |
| Annual return | 7.50% | 15.16%-7.7pp | -21.93%+29.4pp | 20.14%-12.6pp |
| Employer contribution / active EE | $298 | $679-56.1% | $1,206-75.3% | $2,281-86.9% |
| Participant deferral / active EE | $952 | $1,185-19.6% | $1,897-49.8% | $3,203-70.3% |
| Admin fee / account holder | $1,030 | $2,608-60.5% | $2,697-61.8% | $4,296-76.0% |