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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 | $24,497 | $71,215-65.6% | $93,696-73.9% | $80,935-69.7% |
| Participation rate | 20.9% | 60.4%-39.5pp | 68.7%-47.8pp | 67.7%-46.7pp |
| Annual return | 51.23% | 11.27%+40.0pp | 133.74%-82.5pp | 35.66%+15.6pp |
| Employer contribution / active EE | $877 | $1,565-43.9% | $2,422-63.8% | $2,757-68.2% |
| Participant deferral / active EE | $1,475 | $4,037-63.5% | $4,417-66.6% | $4,299-65.7% |
| Admin fee / account holder | $5,181 | $6,958-25.5% | $8,287-37.5% | $6,924-25.2% |