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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 | $23,275 | $61,356-62.1% | $149,696-84.5% | $71,511-67.5% |
| Participation rate | 33.9% | 62.5%-28.7pp | 78.8%-44.9pp | 67.9%-34.1pp |
| Annual return | 18.57% | 35.86%-17.3pp | 134.46%-115.9pp | 28.86%-10.3pp |
| Employer contribution / active EE | $770 | $2,382-67.7% | $4,821-84.0% | $2,589-70.3% |
| Participant deferral / active EE | $1,763 | $2,920-39.6% | $5,682-69.0% | $4,291-58.9% |
| Admin fee / account holder | $2,192 | $1,263+73.5% | $13,212-83.4% | $1,588+38.0% |