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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 | $27,128 | $58,828-53.9% | $78,002-65.2% | $62,881-56.9% |
| Participation rate | 58.2% | 71.1%-12.8pp | 75.5%-17.3pp | 69.3%-11.1pp |
| Annual return | 7.31% | 17.16%-9.8pp | 425.99%-418.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $347 | $1,672-79.2% | $2,470-85.9% | $2,281-84.8% |
| Participant deferral / active EE | $1,509 | $2,686-43.8% | $3,497-56.9% | $3,203-52.9% |
| Admin fee / account holder | $2,592 | $4,393-41.0% | $5,481-52.7% | $4,296-39.7% |