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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 | $25,375 | $60,442-58.0% | $96,754-73.8% | $87,485-71.0% |
| Participation rate | 48.4% | 58.7%-10.3pp | 70.3%-21.9pp | 68.9%-20.5pp |
| Annual return | 24.58% | 21.97%+2.6pp | 82.04%-57.5pp | 26.06%-1.5pp |
| Employer contribution / active EE | $1,189 | $1,691-29.7% | $2,679-55.6% | $2,596-54.2% |
| Participant deferral / active EE | $2,239 | $3,280-31.7% | $4,758-52.9% | $4,274-47.6% |
| Admin fee / account holder | $395 | $5,069-92.2% | $8,905-95.6% | $7,775-94.9% |