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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 | $24,001 | $67,823-64.6% | $52,425-54.2% | $137,256-82.5% |
| Participation rate | 30.4% | 63.9%-33.5pp | 55.6%-25.2pp | 80.0%-49.5pp |
| Annual return | 12.38% | 219.11%-206.7pp | 302.12%-289.7pp | 220.34%-208.0pp |
| Employer contribution / active EE | $911 | $1,163-21.7% | $914-0.4% | $4,156-78.1% |
| Participant deferral / active EE | $1,118 | $2,288-51.1% | $1,790-37.6% | $6,407-82.6% |
| Admin fee / account holder | $8,161 | $2,844+186.9% | $2,495+227.1% | $12,270-33.5% |