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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 | $37,860 | $70,418-46.2% | $96,570-60.8% | $85,847-55.9% |
| Participation rate | 27.6% | 61.8%-34.2pp | 69.8%-42.2pp | 69.3%-41.7pp |
| Annual return | 13.76% | 18.59%-4.8pp | 37.79%-24.0pp | 318.61%-304.8pp |
| Employer contribution / active EE | $533 | $1,413-62.3% | $2,357-77.4% | $2,565-79.2% |
| Participant deferral / active EE | $1,850 | $2,894-36.1% | $3,849-51.9% | $3,952-53.2% |
| Admin fee / account holder | $2,095 | $4,995-58.1% | $6,182-66.1% | $6,261-66.5% |