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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 | $22,819 | $77,638-70.6% | $156,552-85.4% | $62,881-63.7% |
| Participation rate | 56.5% | 71.2%-14.7pp | 84.0%-27.5pp | 69.3%-12.8pp |
| Annual return | 5.62% | 50.33%-44.7pp | 32.23%-26.6pp | 20.14%-14.5pp |
| Employer contribution / active EE | $495 | $3,444-85.6% | $5,501-91.0% | $2,281-78.3% |
| Participant deferral / active EE | $1,103 | $3,046-63.8% | $4,871-77.4% | $3,203-65.6% |
| Admin fee / account holder | $928 | $5,561-83.3% | $13,028-92.9% | $4,296-78.4% |