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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 | $31,302 | $77,638-59.7% | $156,551-80.0% | $62,881-50.2% |
| Participation rate | 42.5% | 71.2%-28.7pp | 84.0%-41.5pp | 69.3%-26.8pp |
| Annual return | 4.70% | 50.33%-45.6pp | 32.23%-27.5pp | 20.14%-15.4pp |
| Employer contribution / active EE | $499 | $3,444-85.5% | $5,501-90.9% | $2,281-78.1% |
| Participant deferral / active EE | $1,784 | $3,046-41.4% | $4,871-63.4% | $3,203-44.3% |
| Admin fee / account holder | $731 | $5,561-86.9% | $13,028-94.4% | $4,296-83.0% |