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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 | $21,593 | $51,638-58.2% | $68,368-68.4% | $82,448-73.8% |
| Participation rate | 34.5% | 63.6%-29.1pp | 73.8%-39.3pp | 68.1%-33.6pp |
| Annual return | 15.92% | 37.53%-21.6pp | 292.57%-276.7pp | 41.64%-25.7pp |
| Employer contribution / active EE | $411 | $2,047-79.9% | $2,649-84.5% | $2,551-83.9% |
| Participant deferral / active EE | $3,170 | $2,914+8.8% | $4,123-23.1% | $4,139-23.4% |
| Admin fee / account holder | $3,063 | $4,643-34.0% | $5,150-40.5% | $7,234-57.7% |