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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 | $24,063 | $58,057-58.6% | $97,032-75.2% | $86,983-72.3% |
| Participation rate | 45.9% | 60.4%-14.4pp | 71.6%-25.6pp | 69.5%-23.6pp |
| Annual return | 14.50% | 22.26%-7.8pp | 35.38%-20.9pp | 25.83%-11.3pp |
| Employer contribution / active EE | $760 | $1,663-54.3% | $2,629-71.1% | $2,584-70.6% |
| Participant deferral / active EE | $1,222 | $3,244-62.3% | $4,672-73.8% | $4,194-70.9% |
| Admin fee / account holder | $6,527 | $4,839+34.9% | $9,418-30.7% | $7,856-16.9% |