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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 | $36,417 | $52,279-30.3% | $89,435-59.3% | $79,856-54.4% |
| Participation rate | 40.6% | 57.5%-16.9pp | 68.0%-27.4pp | 69.6%-29.0pp |
| Annual return | 12.88% | 22.16%-9.3pp | 245.55%-232.7pp | 31.71%-18.8pp |
| Employer contribution / active EE | $805 | $1,572-48.8% | $2,587-68.9% | $2,471-67.4% |
| Participant deferral / active EE | $2,596 | $2,740-5.3% | $3,890-33.3% | $3,741-30.6% |
| Admin fee / account holder | $1,230 | $3,356-63.4% | $4,884-74.8% | $5,306-76.8% |