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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 | $26,586 | $70,418-62.2% | $96,570-72.5% | $85,847-69.0% |
| Participation rate | 32.6% | 61.8%-29.3pp | 69.8%-37.3pp | 69.3%-36.8pp |
| Annual return | 19.35% | 18.59%+0.8pp | 37.79%-18.4pp | 318.61%-299.3pp |
| Employer contribution / active EE | $765 | $1,413-45.9% | $2,357-67.5% | $2,565-70.2% |
| Participant deferral / active EE | $2,038 | $2,894-29.6% | $3,849-47.0% | $3,952-48.4% |
| Admin fee / account holder | $703 | $4,995-85.9% | $6,182-88.6% | $6,261-88.8% |