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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 | $20,026 | $47,105-57.5% | $68,368-70.7% | $67,986-70.5% |
| Participation rate | 42.9% | 51.8%-8.9pp | 73.8%-30.9pp | 57.2%-14.4pp |
| Annual return | 27.98% | 48.37%-20.4pp | 292.57%-264.6pp | 31.67%-3.7pp |
| Employer contribution / active EE | $484 | $1,859-74.0% | $2,649-81.7% | $2,019-76.0% |
| Participant deferral / active EE | $1,962 | $2,374-17.3% | $4,123-52.4% | $3,358-41.6% |
| Admin fee / account holder | $672 | $2,435-72.4% | $5,150-86.9% | $3,203-79.0% |