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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 | $25,629 | $124,330-79.4% | $109,173-76.5% | $167,536-84.7% |
| Participation rate | 47.8% | 79.5%-31.6pp | 75.9%-28.1pp | 82.1%-34.3pp |
| Annual return | 18.78% | 26.04%-7.3pp | 25.75%-7.0pp | 478.82%-460.0pp |
| Employer contribution / active EE | $1,596 | $4,209-62.1% | $3,723-57.1% | $4,839-67.0% |
| Participant deferral / active EE | $2,702 | $5,256-48.6% | $4,654-41.9% | $6,342-57.4% |
| Admin fee / account holder | $406 | $7,974-94.9% | $6,755-94.0% | $12,315-96.7% |