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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 | $21,322 | $45,343-53.0% | $150,298-85.8% | $67,986-68.6% |
| Participation rate | 26.7% | 51.9%-25.1pp | 77.8%-51.0pp | 57.2%-30.5pp |
| Annual return | 24.12% | 33.28%-9.2pp | 62.79%-38.7pp | 31.67%-7.5pp |
| Employer contribution / active EE | $582 | $1,462-60.2% | $4,154-86.0% | $2,019-71.2% |
| Participant deferral / active EE | $880 | $2,055-57.2% | $5,453-83.9% | $3,358-73.8% |
| Admin fee / account holder | $2,450 | $2,250+8.9% | $14,116-82.6% | $3,203-23.5% |