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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 | $24,167 | $58,512-58.7% | $84,020-71.2% | $72,983-66.9% |
| Participation rate | 46.2% | 61.2%-15.1pp | 69.0%-22.9pp | 69.5%-23.3pp |
| Annual return | 19.70% | 28.93%-9.2pp | 71.31%-51.6pp | 81.01%-61.3pp |
| Employer contribution / active EE | $269 | $1,163-76.9% | $1,984-86.4% | $2,440-89.0% |
| Participant deferral / active EE | $1,136 | $2,394-52.6% | $3,239-64.9% | $3,608-68.5% |
| Admin fee / account holder | $6,925 | $4,569+51.6% | $6,101+13.5% | $5,124+35.2% |