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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 | $28,817 | $78,428-63.3% | $95,960-70.0% | $79,852-63.9% |
| Participation rate | 48.8% | 73.5%-24.7pp | 77.1%-28.3pp | 69.6%-20.9pp |
| Annual return | 15.81% | 19.37%-3.6pp | 91.63%-75.8pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,454 | $1,945-25.3% | $2,541-42.8% | $2,471-41.2% |
| Participant deferral / active EE | $3,193 | $3,440-7.2% | $4,167-23.4% | $3,740-14.6% |
| Admin fee / account holder | $7,319 | $5,622+30.2% | $6,797+7.7% | $5,306+37.9% |