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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 | $27,269 | $77,638-64.9% | $156,551-82.6% | $62,881-56.6% |
| Participation rate | 33.8% | 71.2%-37.4pp | 84.0%-50.2pp | 69.3%-35.5pp |
| Annual return | 6.69% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.5pp |
| Employer contribution / active EE | $582 | $3,444-83.1% | $5,501-89.4% | $2,281-74.5% |
| Participant deferral / active EE | $1,445 | $3,046-52.6% | $4,871-70.3% | $3,203-54.9% |
| Admin fee / account holder | $2,376 | $5,561-57.3% | $13,028-81.8% | $4,296-44.7% |