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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 | $26,628 | $51,244-48.0% | $80,977-67.1% | $55,167-51.7% |
| Participation rate | 55.0% | 71.7%-16.7pp | 75.8%-20.9pp | 69.0%-14.0pp |
| Annual return | 10.07% | 17.39%-7.3pp | 17.11%-7.0pp | 169.23%-159.2pp |
| Employer contribution / active EE | $481 | $1,770-72.8% | $3,715-87.0% | $1,963-75.5% |
| Participant deferral / active EE | $4,759 | $4,418+7.7% | $5,696-16.4% | $3,054+55.8% |
| Admin fee / account holder | $533 | $398+33.9% | $5,517-90.3% | $504+5.8% |