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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 | $21,972 | $29,051-24.4% | $52,425-58.1% | $67,986-67.7% |
| Participation rate | 30.9% | 30.4%+0.5pp | 55.6%-24.7pp | 57.2%-26.3pp |
| Annual return | 16.63% | 24.00%-7.4pp | 302.12%-285.5pp | 31.67%-15.0pp |
| Employer contribution / active EE | $1,067 | $412+159.1% | $914+16.7% | $2,019-47.1% |
| Participant deferral / active EE | $1,595 | $873+82.7% | $1,790-10.9% | $3,358-52.5% |
| Admin fee / account holder | $854 | $2,113-59.6% | $2,495-65.8% | $3,203-73.4% |