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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 | $23,531 | $45,050-47.8% | $63,018-62.7% | $70,126-66.4% |
| Participation rate | 55.6% | 69.5%-14.0pp | 74.8%-19.2pp | 69.5%-14.0pp |
| Annual return | 14.90% | 18.76%-3.9pp | 87.62%-72.7pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,548 | $2,052-24.6% | $2,761-43.9% | $2,343-33.9% |
| Participant deferral / active EE | $2,926 | $2,466+18.7% | $3,330-12.1% | $3,332-12.2% |
| Admin fee / account holder | $400 | $2,834-85.9% | $3,601-88.9% | $4,645-91.4% |