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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 | $21,567 | $49,897-56.8% | $80,648-73.3% | $75,177-71.3% |
| Participation rate | 47.4% | 55.3%-8.0pp | 67.0%-19.6pp | 67.2%-19.8pp |
| Annual return | 21.24% | 34.68%-13.4pp | 937.21%-916.0pp | 160.75%-139.5pp |
| Employer contribution / active EE | $581 | $1,699-65.8% | $2,724-78.7% | $2,671-78.2% |
| Participant deferral / active EE | $1,639 | $2,992-45.2% | $4,443-63.1% | $4,126-60.3% |
| Admin fee / account holder | $4,063 | $3,579+13.5% | $5,382-24.5% | $5,651-28.1% |