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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 | $57,057-57.2% | $85,009-71.3% | $80,874-69.8% |
| Participation rate | 25.5% | 56.4%-30.9pp | 67.5%-42.0pp | 67.6%-42.2pp |
| Annual return | 22.70% | 21.66%+1.0pp | 66.47%-43.8pp | 35.62%-12.9pp |
| Employer contribution / active EE | $706 | $1,799-60.8% | $2,728-74.1% | $2,756-74.4% |
| Participant deferral / active EE | $969 | $3,112-68.8% | $4,522-78.6% | $4,297-77.4% |
| Admin fee / account holder | $9,966 | $4,986+99.9% | $6,153+62.0% | $6,935+43.7% |