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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 | $26,235 | $52,580-50.1% | $71,671-63.4% | $70,126-62.6% |
| Participation rate | 41.3% | 60.9%-19.6pp | 68.7%-27.4pp | 69.5%-28.2pp |
| Annual return | 58.45% | 20.25%+38.2pp | 20.65%+37.8pp | 73.15%-14.7pp |
| Employer contribution / active EE | $698 | $1,616-56.8% | $2,460-71.6% | $2,343-70.2% |
| Participant deferral / active EE | $2,007 | $2,386-15.9% | $3,438-41.6% | $3,332-39.8% |
| Admin fee / account holder | $467 | $3,653-87.2% | $5,558-91.6% | $4,645-89.9% |