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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 | $26,112 | $81,262-67.9% | $155,602-83.2% | $80,911-67.7% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.6%-17.6pp |
| Annual return | 44.23% | 33.34%+10.9pp | 64.81%-20.6pp | 35.63%+8.6pp |
| Employer contribution / active EE | $1,221 | $3,102-60.6% | $4,675-73.9% | $2,756-55.7% |
| Participant deferral / active EE | $2,369 | $3,451-31.4% | $5,629-57.9% | $4,297-44.9% |
| Admin fee / account holder | $2,156 | $7,992-73.0% | $15,923-86.5% | $6,935-68.9% |