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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 | $25,500 | $59,440-57.1% | $78,004-67.3% | $82,637-69.1% |
| Participation rate | 49.2% | 62.8%-13.6pp | 69.4%-20.2pp | 68.1%-18.8pp |
| Annual return | 16.33% | 40.24%-23.9pp | 31.07%-14.7pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,018 | $1,750-41.9% | $2,469-58.8% | $2,552-60.1% |
| Participant deferral / active EE | $2,278 | $3,138-27.4% | $4,092-44.3% | $4,126-44.8% |
| Admin fee / account holder | $318 | $5,504-94.2% | $7,578-95.8% | $7,339-95.7% |