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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 | $18,348 | $48,046-61.8% | $84,610-78.3% | $72,986-74.9% |
| Participation rate | 35.6% | 57.6%-22.0pp | 68.2%-32.6pp | 69.5%-33.9pp |
| Annual return | 25.89% | 37.38%-11.5pp | 258.74%-232.8pp | 81.01%-55.1pp |
| Employer contribution / active EE | $546 | $1,602-65.9% | $2,652-79.4% | $2,440-77.6% |
| Participant deferral / active EE | $1,397 | $2,680-47.9% | $3,899-64.2% | $3,607-61.3% |
| Admin fee / account holder | $954 | $3,395-71.9% | $4,912-80.6% | $5,124-81.4% |