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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 | $40,427 | $45,152-10.5% | $73,836-45.2% | $59,633-32.2% |
| Participation rate | 35.2% | 64.0%-28.9pp | 73.4%-38.3pp | 68.7%-33.5pp |
| Annual return | 1.00% | 27.40%-26.4pp | 2268.06%-2267.1pp | 2041.45%-2040.4pp |
| Employer contribution / active EE | $383 | $1,901-79.9% | $2,787-86.3% | $2,203-82.6% |
| Participant deferral / active EE | $1,649 | $2,573-35.9% | $3,583-54.0% | $3,192-48.3% |
| Admin fee / account holder | $692 | $3,515-80.3% | $4,882-85.8% | $4,297-83.9% |