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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 | $20,335 | $48,053-57.7% | $84,637-76.0% | $72,976-72.1% |
| Participation rate | 43.4% | 57.6%-14.2pp | 68.2%-24.9pp | 69.5%-26.1pp |
| Annual return | 29.24% | 37.39%-8.1pp | 258.82%-229.6pp | 81.02%-51.8pp |
| Employer contribution / active EE | $866 | $1,602-46.0% | $2,653-67.4% | $2,440-64.5% |
| Participant deferral / active EE | $2,132 | $2,681-20.5% | $3,900-45.3% | $3,608-40.9% |
| Admin fee / account holder | $593 | $3,395-82.5% | $4,914-87.9% | $5,124-88.4% |