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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 | $23,407 | $47,944-51.2% | $67,834-65.5% | $62,881-62.8% |
| Participation rate | 50.0% | 61.1%-11.1pp | 68.8%-18.8pp | 69.3%-19.3pp |
| Annual return | 12.30% | 11.77%+0.5pp | 138.47%-126.2pp | 20.14%-7.8pp |
| Employer contribution / active EE | $251 | $1,562-83.9% | $2,403-89.6% | $2,281-89.0% |
| Participant deferral / active EE | $1,417 | $2,247-36.9% | $3,160-55.2% | $3,203-55.8% |
| Admin fee / account holder | $1,225 | $3,712-67.0% | $4,622-73.5% | $4,296-71.5% |