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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 | $44,376 | $81,331-45.4% | $155,534-71.5% | $80,935-45.2% |
| Participation rate | 16.3% | 66.3%-50.0pp | 78.2%-61.9pp | 67.7%-51.4pp |
| Annual return | 15.55% | 33.37%-17.8pp | 64.92%-49.4pp | 35.66%-20.1pp |
| Employer contribution / active EE | $437 | $3,105-85.9% | $4,675-90.6% | $2,757-84.1% |
| Participant deferral / active EE | $1,039 | $3,454-69.9% | $5,630-81.5% | $4,299-75.8% |
| Admin fee / account holder | $486 | $7,999-93.9% | $15,900-96.9% | $6,924-93.0% |