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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 | $18,356 | $124,330-85.2% | $109,173-83.2% | $167,536-89.0% |
| Participation rate | 46.7% | 79.5%-32.8pp | 75.9%-29.2pp | 82.1%-35.4pp |
| Annual return | 16.31% | 26.04%-9.7pp | 25.75%-9.4pp | 478.82%-462.5pp |
| Employer contribution / active EE | $1,526 | $4,209-63.7% | $3,723-59.0% | $4,839-68.5% |
| Participant deferral / active EE | $2,127 | $5,256-59.5% | $4,654-54.3% | $6,342-66.5% |
| Admin fee / account holder | $2,763 | $7,974-65.4% | $6,755-59.1% | $12,315-77.6% |