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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 | $35,150 | $45,566-22.9% | $64,105-45.2% | $59,633-41.1% |
| Participation rate | 29.2% | 60.2%-31.0pp | 68.2%-39.0pp | 68.7%-39.5pp |
| Annual return | 3.00% | 4.95%-2.0pp | 791.24%-788.2pp | 2041.45%-2038.5pp |
| Employer contribution / active EE | $212 | $934-77.3% | $1,820-88.4% | $2,203-90.4% |
| Participant deferral / active EE | $1,380 | $2,057-32.9% | $2,822-51.1% | $3,192-56.8% |
| Admin fee / account holder | $2,544 | $3,268-22.2% | $4,499-43.5% | $4,297-40.8% |