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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 | $14,344 | $77,638-81.5% | $156,551-90.8% | $62,881-77.2% |
| Participation rate | 41.5% | 71.2%-29.7pp | 84.0%-42.5pp | 69.3%-27.8pp |
| Annual return | 6.24% | 50.33%-44.1pp | 32.23%-26.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $461 | $3,444-86.6% | $5,501-91.6% | $2,281-79.8% |
| Participant deferral / active EE | $1,060 | $3,046-65.2% | $4,871-78.2% | $3,203-66.9% |
| Admin fee / account holder | $454 | $5,561-91.8% | $13,028-96.5% | $4,296-89.4% |