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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 | $81,358-67.9% | $155,556-83.2% | $80,959-67.7% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 44.23% | 33.39%+10.8pp | 64.84%-20.6pp | 35.67%+8.6pp |
| Employer contribution / active EE | $1,221 | $3,106-60.7% | $4,675-73.9% | $2,757-55.7% |
| Participant deferral / active EE | $2,369 | $3,455-31.4% | $5,631-57.9% | $4,300-44.9% |
| Admin fee / account holder | $2,156 | $7,994-73.0% | $15,885-86.4% | $6,925-68.9% |