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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 | $14,275 | $77,920-81.7% | $149,723-90.5% | $75,177-81.0% |
| Participation rate | 29.4% | 65.6%-36.2pp | 78.8%-49.4pp | 67.2%-37.8pp |
| Annual return | 36.50% | 31.72%+4.8pp | 134.50%-98.0pp | 160.75%-124.3pp |
| Employer contribution / active EE | $913 | $3,138-70.9% | $4,821-81.1% | $2,671-65.8% |
| Participant deferral / active EE | $1,745 | $3,411-48.9% | $5,682-69.3% | $4,126-57.7% |
| Admin fee / account holder | $962 | $5,951-83.8% | $13,215-92.7% | $5,651-83.0% |