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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 | $64,888 | $48,053+35.0% | $84,623-23.3% | $72,983-11.1% |
| Participation rate | 44.4% | 57.6%-13.1pp | 68.2%-23.8pp | 69.5%-25.0pp |
| Annual return | 25.36% | 37.39%-12.0pp | 258.77%-233.4pp | 81.01%-55.7pp |
| Employer contribution / active EE | $446 | $1,602-72.1% | $2,652-83.2% | $2,440-81.7% |
| Participant deferral / active EE | $2,446 | $2,681-8.7% | $3,899-37.3% | $3,608-32.2% |
| Admin fee / account holder | $841 | $3,395-75.2% | $4,913-82.9% | $5,124-83.6% |