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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 | $24,846 | $103,949-76.1% | $69,182-64.1% | $273,972-90.9% |
| Participation rate | 28.6% | 67.4%-38.8pp | 55.1%-26.5pp | 83.0%-54.4pp |
| Annual return | 4.26% | 35.28%-31.0pp | -21.93%+26.2pp | 41.46%-37.2pp |
| Employer contribution / active EE | $568 | $1,783-68.2% | $1,206-52.9% | $4,869-88.3% |
| Participant deferral / active EE | $2,817 | $2,716+3.7% | $1,897+48.5% | $5,287-46.7% |
| Admin fee / account holder | $327 | $3,671-91.1% | $2,697-87.9% | $10,133-96.8% |