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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 | $51,825 | $117,846-56.0% | $102,434-49.4% | $145,884-64.5% |
| Participation rate | 22.2% | 78.6%-56.4pp | 76.5%-54.3pp | 80.3%-58.1pp |
| Annual return | 11.41% | 31.90%-20.5pp | 29.46%-18.0pp | 551.85%-540.4pp |
| Employer contribution / active EE | $1,411 | $3,615-61.0% | $3,023-53.3% | $4,662-69.7% |
| Participant deferral / active EE | $3,141 | $5,733-45.2% | $5,055-37.9% | $6,690-53.0% |
| Admin fee / account holder | $699 | $13,356-94.8% | $9,462-92.6% | $13,392-94.8% |