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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 | $28,946 | $68,586-57.8% | $120,380-76.0% | $80,911-64.2% |
| Participation rate | 44.3% | 61.6%-17.3pp | 71.9%-27.6pp | 67.6%-23.3pp |
| Annual return | 12.99% | 23.62%-10.6pp | 107.28%-94.3pp | 35.63%-22.6pp |
| Employer contribution / active EE | $1,072 | $2,053-47.7% | $3,465-69.0% | $2,756-61.1% |
| Participant deferral / active EE | $1,409 | $3,174-55.6% | $4,992-71.8% | $4,297-67.2% |
| Admin fee / account holder | $1,124 | $5,733-80.4% | $9,421-88.1% | $6,935-83.8% |