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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 | $57,140-57.3% | $85,240-71.4% | $80,959-69.9% |
| Participation rate | 25.5% | 56.4%-30.9pp | 67.5%-42.0pp | 67.7%-42.2pp |
| Annual return | 22.70% | 21.71%+1.0pp | 66.75%-44.1pp | 35.67%-13.0pp |
| Employer contribution / active EE | $706 | $1,802-60.8% | $2,735-74.2% | $2,757-74.4% |
| Participant deferral / active EE | $969 | $3,115-68.9% | $4,527-78.6% | $4,300-77.5% |
| Admin fee / account holder | $9,966 | $4,992+99.7% | $6,165+61.7% | $6,925+43.9% |