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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 | $23,918 | $52,884-54.8% | $84,753-71.8% | $55,167-56.6% |
| Participation rate | 21.4% | 67.5%-46.1pp | 76.6%-55.2pp | 69.0%-47.6pp |
| Annual return | 7.11% | 18.03%-10.9pp | 22.78%-15.7pp | 169.23%-162.1pp |
| Employer contribution / active EE | $706 | $2,233-68.4% | $3,574-80.2% | $1,963-64.0% |
| Participant deferral / active EE | $1,169 | $2,644-55.8% | $3,712-68.5% | $3,054-61.7% |
| Admin fee / account holder | $2,034 | $581+250.3% | $5,333-61.9% | $504+303.7% |