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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 | $32,860 | $91,198-64.0% | $178,503-81.6% | $79,856-58.9% |
| Participation rate | 37.0% | 69.2%-32.2pp | 81.9%-44.9pp | 69.6%-32.6pp |
| Annual return | 10.85% | 24.20%-13.3pp | 151.12%-140.3pp | 31.71%-20.9pp |
| Employer contribution / active EE | $535 | $3,257-83.6% | $5,011-89.3% | $2,471-78.4% |
| Participant deferral / active EE | $2,392 | $3,237-26.1% | $5,202-54.0% | $3,741-36.1% |
| Admin fee / account holder | $667 | $6,748-90.1% | $13,987-95.2% | $5,306-87.4% |