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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 | $24,386 | $108,285-77.5% | $77,552-68.6% | $158,982-84.7% |
| Participation rate | 45.5% | 64.4%-19.0pp | 54.2%-8.7pp | 82.0%-36.5pp |
| Annual return | 13.25% | 31.69%-18.4pp | 54.82%-41.6pp | 302.99%-289.7pp |
| Employer contribution / active EE | $400 | $1,325-69.8% | $987-59.4% | $4,763-91.6% |
| Participant deferral / active EE | $3,262 | $2,455+32.8% | $1,861+75.3% | $5,983-45.5% |
| Admin fee / account holder | $1,209 | $3,709-67.4% | $2,859-57.7% | $11,252-89.3% |