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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 | $21,131 | $77,908-72.9% | $149,696-85.9% | $75,173-71.9% |
| Participation rate | 54.2% | 65.6%-11.4pp | 78.8%-24.6pp | 67.2%-13.0pp |
| Annual return | 17.14% | 31.73%-14.6pp | 134.46%-117.3pp | 160.72%-143.6pp |
| Employer contribution / active EE | $861 | $3,138-72.6% | $4,821-82.1% | $2,671-67.8% |
| Participant deferral / active EE | $1,263 | $3,411-63.0% | $5,682-77.8% | $4,126-69.4% |
| Admin fee / account holder | $2,952 | $5,950-50.4% | $13,212-77.7% | $5,651-47.8% |