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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 | $34,100 | $43,730-22.0% | $66,674-48.9% | $64,097-46.8% |
| Participation rate | 25.8% | 50.7%-25.0pp | 73.7%-47.9pp | 55.2%-29.4pp |
| Annual return | 17.38% | 53.62%-36.2pp | 321.24%-303.9pp | 34.64%-17.3pp |
| Employer contribution / active EE | $584 | $1,673-65.1% | $2,620-77.7% | $1,891-69.1% |
| Participant deferral / active EE | $2,292 | $2,122+8.0% | $4,084-43.9% | $3,080-25.6% |
| Admin fee / account holder | $986 | $2,708-63.6% | $5,098-80.7% | $3,454-71.5% |