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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 | $35,489 | $58,258-39.1% | $81,820-56.6% | $80,925-56.1% |
| Participation rate | 22.4% | 63.5%-41.0pp | 72.4%-49.9pp | 67.7%-45.2pp |
| Annual return | 23.09% | 41.76%-18.7pp | 777.93%-754.8pp | 35.65%-12.6pp |
| Employer contribution / active EE | $778 | $2,345-66.8% | $2,915-73.3% | $2,756-71.8% |
| Participant deferral / active EE | $1,184 | $3,284-63.9% | $4,323-72.6% | $4,299-72.4% |
| Admin fee / account holder | $5,889 | $4,976+18.3% | $7,391-20.3% | $6,940-15.1% |