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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 | $22,808 | $50,972-55.3% | $88,538-74.2% | $72,975-68.7% |
| Participation rate | 32.5% | 63.4%-30.9pp | 68.7%-36.2pp | 69.5%-37.0pp |
| Annual return | 28.82% | 29.62%-0.8pp | 43.64%-14.8pp | 81.01%-52.2pp |
| Employer contribution / active EE | $602 | $1,475-59.2% | $2,098-71.3% | $2,440-75.3% |
| Participant deferral / active EE | $1,789 | $2,230-19.8% | $2,914-38.6% | $3,608-50.4% |
| Admin fee / account holder | $608 | $3,230-81.2% | $4,310-85.9% | $5,124-88.1% |