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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 | $25,810 | $54,757-52.9% | $90,304-71.4% | $72,975-64.6% |
| Participation rate | 40.3% | 65.2%-24.8pp | 73.3%-33.0pp | 69.5%-29.2pp |
| Annual return | 17.67% | 30.63%-13.0pp | 78.13%-60.5pp | 81.01%-63.3pp |
| Employer contribution / active EE | $437 | $2,093-79.1% | $2,855-84.7% | $2,440-82.1% |
| Participant deferral / active EE | $996 | $2,887-65.5% | $3,885-74.4% | $3,608-72.4% |
| Admin fee / account holder | $4,910 | $3,973+23.6% | $5,354-8.3% | $5,124-4.2% |