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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 | $34,138 | $63,354-46.1% | $94,105-63.7% | $82,637-58.7% |
| Participation rate | 41.9% | 63.8%-21.9pp | 71.9%-30.0pp | 68.1%-26.1pp |
| Annual return | 16.42% | 34.36%-17.9pp | 204.55%-188.1pp | 53.51%-37.1pp |
| Employer contribution / active EE | $764 | $1,760-56.6% | $2,504-69.5% | $2,552-70.1% |
| Participant deferral / active EE | $2,609 | $2,873-9.2% | $3,881-32.8% | $4,126-36.8% |
| Admin fee / account holder | $397 | $5,073-92.2% | $6,199-93.6% | $7,339-94.6% |