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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 | $19,611 | $81,331-75.9% | $155,534-87.4% | $80,935-75.8% |
| Participation rate | 20.9% | 66.3%-45.4pp | 78.2%-57.3pp | 67.7%-46.8pp |
| Annual return | 14.10% | 33.37%-19.3pp | 64.92%-50.8pp | 35.66%-21.6pp |
| Employer contribution / active EE | $709 | $3,105-77.2% | $4,675-84.8% | $2,757-74.3% |
| Participant deferral / active EE | $1,344 | $3,454-61.1% | $5,630-76.1% | $4,299-68.7% |
| Admin fee / account holder | $5,136 | $7,999-35.8% | $15,900-67.7% | $6,924-25.8% |