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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 | $29,327 | $65,034-54.9% | $90,970-67.8% | $79,856-63.3% |
| Participation rate | 48.4% | 61.6%-13.3pp | 69.0%-20.7pp | 69.6%-21.3pp |
| Annual return | 16.60% | 30.45%-13.9pp | 134.60%-118.0pp | 31.71%-15.1pp |
| Employer contribution / active EE | $384 | $1,247-69.2% | $2,122-81.9% | $2,471-84.4% |
| Participant deferral / active EE | $2,286 | $2,512-9.0% | $3,373-32.2% | $3,741-38.9% |
| Admin fee / account holder | $882 | $4,536-80.6% | $5,961-85.2% | $5,306-83.4% |