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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 | $25,673 | $51,638-50.3% | $68,368-62.4% | $82,448-68.9% |
| Participation rate | 35.3% | 63.6%-28.3pp | 73.8%-38.5pp | 68.1%-32.8pp |
| Annual return | 16.15% | 37.53%-21.4pp | 292.57%-276.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $265 | $2,047-87.1% | $2,649-90.0% | $2,551-89.6% |
| Participant deferral / active EE | $3,614 | $2,914+24.0% | $4,123-12.3% | $4,139-12.7% |
| Admin fee / account holder | $4,316 | $4,643-7.1% | $5,150-16.2% | $7,234-40.3% |