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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 | $24,043 | $44,746-46.3% | $88,179-72.7% | $64,097-62.5% |
| Participation rate | 22.5% | 39.8%-17.3pp | 69.1%-46.6pp | 55.2%-32.7pp |
| Annual return | 24.43% | 24.70%-0.3pp | 64.97%-40.5pp | 34.64%-10.2pp |
| Employer contribution / active EE | $239 | $1,078-77.8% | $2,549-90.6% | $1,891-87.4% |
| Participant deferral / active EE | $884 | $2,072-57.4% | $4,614-80.8% | $3,080-71.3% |
| Admin fee / account holder | $4,709 | $3,437+37.0% | $7,673-38.6% | $3,454+36.3% |