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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 | $24,186 | $50,082-51.7% | $93,419-74.1% | $79,852-69.7% |
| Participation rate | 39.6% | 60.9%-21.4pp | 66.8%-27.2pp | 69.6%-30.1pp |
| Annual return | 24.37% | 24.59%-0.2pp | 78.05%-53.7pp | 31.72%-7.4pp |
| Employer contribution / active EE | $584 | $1,303-55.2% | $2,075-71.8% | $2,471-76.4% |
| Participant deferral / active EE | $3,470 | $2,212+56.9% | $3,126+11.0% | $3,740-7.2% |
| Admin fee / account holder | $2,182 | $3,454-36.8% | $5,230-58.3% | $5,306-58.9% |