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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 | $35,093 | $73,107-52.0% | $114,563-69.4% | $87,485-59.9% |
| Participation rate | 44.0% | 65.8%-21.8pp | 72.9%-28.9pp | 68.9%-24.9pp |
| Annual return | 19.29% | 19.47%-0.2pp | 241.09%-221.8pp | 26.06%-6.8pp |
| Employer contribution / active EE | $324 | $1,881-82.8% | $2,592-87.5% | $2,596-87.5% |
| Participant deferral / active EE | $2,320 | $3,144-26.2% | $4,142-44.0% | $4,274-45.7% |
| Admin fee / account holder | $480 | $5,770-91.7% | $7,623-93.7% | $7,775-93.8% |