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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 | $26,487 | $71,197-62.8% | $93,669-71.7% | $80,925-67.3% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 12.19% | 11.27%+0.9pp | 133.59%-121.4pp | 35.65%-23.5pp |
| Employer contribution / active EE | $891 | $1,565-43.0% | $2,424-63.2% | $2,756-67.7% |
| Participant deferral / active EE | $2,226 | $4,036-44.8% | $4,416-49.6% | $4,299-48.2% |
| Admin fee / account holder | $589 | $6,959-91.5% | $8,291-92.9% | $6,940-91.5% |