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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 | $29,139 | $47,944-39.2% | $67,834-57.0% | $62,881-53.7% |
| Participation rate | 18.6% | 61.1%-42.5pp | 68.8%-50.2pp | 69.3%-50.7pp |
| Annual return | 9.18% | 11.77%-2.6pp | 138.47%-129.3pp | 20.14%-11.0pp |
| Employer contribution / active EE | $357 | $1,562-77.2% | $2,403-85.1% | $2,281-84.4% |
| Participant deferral / active EE | $957 | $2,247-57.4% | $3,160-69.7% | $3,203-70.1% |
| Admin fee / account holder | $5,145 | $3,712+38.6% | $4,622+11.3% | $4,296+19.8% |