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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 | $16,203 | $51,222-68.4% | $70,544-77.0% | $75,173-78.4% |
| Participation rate | 50.8% | 61.0%-10.2pp | 68.4%-17.6pp | 67.2%-16.4pp |
| Annual return | 14.73% | 30.06%-15.3pp | 32.79%-18.1pp | 160.72%-146.0pp |
| Employer contribution / active EE | $1,026 | $1,827-43.8% | $2,976-65.5% | $2,671-61.6% |
| Participant deferral / active EE | $1,468 | $2,850-48.5% | $4,568-67.9% | $4,126-64.4% |
| Admin fee / account holder | $5,475 | $4,096+33.7% | $6,427-14.8% | $5,651-3.1% |