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 | $23,042 | $48,364-52.4% | $71,793-67.9% | $62,881-63.4% |
| Participation rate | 50.0% | 60.6%-10.6pp | 69.1%-19.1pp | 69.3%-19.3pp |
| Annual return | 5.84% | 13.16%-7.3pp | 78.04%-72.2pp | 20.14%-14.3pp |
| Employer contribution / active EE | $550 | $1,042-47.3% | $1,924-71.4% | $2,281-75.9% |
| Participant deferral / active EE | $1,456 | $2,091-30.4% | $2,794-47.9% | $3,203-54.6% |
| Admin fee / account holder | $960 | $3,771-74.5% | $4,815-80.1% | $4,296-77.6% |