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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 | $26,238 | $47,848-45.2% | $81,473-67.8% | $70,124-62.6% |
| Participation rate | 50.0% | 58.3%-8.3pp | 68.0%-18.0pp | 69.5%-19.5pp |
| Annual return | 20.49% | 27.25%-6.8pp | 38.78%-18.3pp | 73.14%-52.7pp |
| Employer contribution / active EE | $894 | $1,527-41.5% | $2,568-65.2% | $2,342-61.9% |
| Participant deferral / active EE | $1,511 | $2,453-38.4% | $3,537-57.3% | $3,332-54.6% |
| Admin fee / account holder | $492 | $3,145-84.3% | $4,561-89.2% | $4,645-89.4% |