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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 | $26,650 | $57,590-53.7% | $86,233-69.1% | $82,448-67.7% |
| Participation rate | 11.3% | 57.9%-46.6pp | 69.0%-57.8pp | 68.1%-56.8pp |
| Annual return | 18.02% | 22.41%-4.4pp | 61.39%-43.4pp | 41.64%-23.6pp |
| Employer contribution / active EE | $466 | $1,655-71.8% | $2,504-81.4% | $2,551-81.7% |
| Participant deferral / active EE | $801 | $3,080-74.0% | $4,559-82.4% | $4,139-80.6% |
| Admin fee / account holder | $3,921 | $4,730-17.1% | $8,342-53.0% | $7,234-45.8% |