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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 | $24,407 | $81,262-70.0% | $155,602-84.3% | $80,911-69.8% |
| Participation rate | 32.9% | 66.2%-33.3pp | 78.2%-45.3pp | 67.6%-34.7pp |
| Annual return | 12.01% | 33.34%-21.3pp | 64.81%-52.8pp | 35.63%-23.6pp |
| Employer contribution / active EE | $672 | $3,102-78.3% | $4,675-85.6% | $2,756-75.6% |
| Participant deferral / active EE | $2,481 | $3,451-28.1% | $5,629-55.9% | $4,297-42.3% |
| Admin fee / account holder | $11,743 | $7,992+46.9% | $15,923-26.3% | $6,935+69.3% |