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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 | $24,398 | $57,073-57.3% | $85,126-71.3% | $80,925-69.9% |
| Participation rate | 25.5% | 56.4%-30.9pp | 67.5%-42.0pp | 67.7%-42.2pp |
| Annual return | 22.70% | 21.69%+1.0pp | 66.63%-43.9pp | 35.65%-12.9pp |
| Employer contribution / active EE | $706 | $1,801-60.8% | $2,731-74.2% | $2,756-74.4% |
| Participant deferral / active EE | $969 | $3,113-68.9% | $4,523-78.6% | $4,299-77.4% |
| Admin fee / account holder | $9,966 | $4,988+99.8% | $6,160+61.8% | $6,940+43.6% |