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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 | $24,605 | $84,236-70.8% | $170,435-85.6% | $70,126-64.9% |
| Participation rate | 40.6% | 70.8%-30.2pp | 83.6%-43.0pp | 69.5%-28.9pp |
| Annual return | 12.87% | 23.06%-10.2pp | 205.94%-193.1pp | 73.15%-60.3pp |
| Employer contribution / active EE | $575 | $3,387-83.0% | $5,432-89.4% | $2,343-75.4% |
| Participant deferral / active EE | $1,668 | $3,086-45.9% | $4,939-66.2% | $3,332-49.9% |
| Admin fee / account holder | $4,241 | $5,698-25.6% | $13,881-69.4% | $4,645-8.7% |