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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 | $24,964 | $71,197-64.9% | $93,669-73.3% | $80,925-69.2% |
| Participation rate | 44.8% | 60.4%-15.6pp | 68.7%-23.9pp | 67.7%-22.8pp |
| Annual return | 12.64% | 11.27%+1.4pp | 133.59%-120.9pp | 35.65%-23.0pp |
| Employer contribution / active EE | $616 | $1,565-60.6% | $2,424-74.6% | $2,756-77.6% |
| Participant deferral / active EE | $4,347 | $4,036+7.7% | $4,416-1.6% | $4,299+1.1% |
| Admin fee / account holder | $1,762 | $6,959-74.7% | $8,291-78.7% | $6,940-74.6% |