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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 | $18,663 | $52,279-64.3% | $89,400-79.1% | $79,858-76.6% |
| Participation rate | 27.9% | 57.5%-29.6pp | 68.0%-40.0pp | 69.6%-41.7pp |
| Annual return | 14.52% | 22.16%-7.6pp | 245.64%-231.1pp | 31.72%-17.2pp |
| Employer contribution / active EE | $274 | $1,572-82.5% | $2,586-89.4% | $2,471-88.9% |
| Participant deferral / active EE | $835 | $2,740-69.5% | $3,890-78.5% | $3,740-77.7% |
| Admin fee / account holder | $2,776 | $3,356-17.3% | $4,882-43.1% | $5,306-47.7% |