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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 | $28,339 | $77,920-63.6% | $149,723-81.1% | $75,177-62.3% |
| Participation rate | 26.8% | 65.6%-38.8pp | 78.8%-51.9pp | 67.2%-40.4pp |
| Annual return | 20.39% | 31.72%-11.3pp | 134.50%-114.1pp | 160.75%-140.4pp |
| Employer contribution / active EE | $504 | $3,138-83.9% | $4,821-89.5% | $2,671-81.1% |
| Participant deferral / active EE | $1,941 | $3,411-43.1% | $5,682-65.8% | $4,126-53.0% |
| Admin fee / account holder | $4,529 | $5,951-23.9% | $13,215-65.7% | $5,651-19.9% |