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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 | $23,582 | $58,523-59.7% | $99,479-76.3% | $72,976-67.7% |
| Participation rate | 50.0% | 64.6%-14.6pp | 73.8%-23.8pp | 69.5%-19.5pp |
| Annual return | 28.35% | 28.51%-0.2pp | 30.72%-2.4pp | 81.02%-52.7pp |
| Employer contribution / active EE | $493 | $1,512-67.4% | $2,540-80.6% | $2,440-79.8% |
| Participant deferral / active EE | $2,134 | $2,606-18.1% | $3,619-41.0% | $3,608-40.9% |
| Admin fee / account holder | $340 | $4,102-91.7% | $6,253-94.6% | $5,124-93.4% |