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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 | $11,871 | $51,207-76.8% | $70,565-83.2% | $75,177-84.2% |
| Participation rate | 36.1% | 61.0%-24.9pp | 68.4%-32.2pp | 67.2%-31.1pp |
| Annual return | 22.40% | 30.05%-7.7pp | 32.79%-10.4pp | 160.75%-138.4pp |
| Employer contribution / active EE | $649 | $1,826-64.5% | $2,976-78.2% | $2,671-75.7% |
| Participant deferral / active EE | $2,490 | $2,850-12.6% | $4,568-45.5% | $4,126-39.7% |
| Admin fee / account holder | $2,611 | $4,097-36.3% | $6,430-59.4% | $5,651-53.8% |