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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 | $36,438 | $71,230-48.8% | $93,727-61.1% | $80,959-55.0% |
| Participation rate | 53.2% | 60.4%-7.2pp | 68.7%-15.5pp | 67.7%-14.5pp |
| Annual return | 17.63% | 11.26%+6.4pp | 133.83%-116.2pp | 35.67%-18.0pp |
| Employer contribution / active EE | $876 | $1,565-44.0% | $2,421-63.8% | $2,757-68.2% |
| Participant deferral / active EE | $1,537 | $4,037-61.9% | $4,417-65.2% | $4,300-64.3% |
| Admin fee / account holder | $2,297 | $6,961-67.0% | $8,292-72.3% | $6,925-66.8% |