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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 | $11,375 | $58,848-80.7% | $88,179-87.1% | $82,637-86.2% |
| Participation rate | 47.5% | 57.9%-10.4pp | 69.1%-21.7pp | 68.1%-20.6pp |
| Annual return | 15.16% | 22.76%-7.6pp | 64.97%-49.8pp | 53.51%-38.3pp |
| Employer contribution / active EE | $391 | $1,678-76.7% | $2,549-84.7% | $2,552-84.7% |
| Participant deferral / active EE | $1,076 | $3,124-65.5% | $4,614-76.7% | $4,126-73.9% |
| Admin fee / account holder | $1,166 | $4,795-75.7% | $7,673-84.8% | $7,339-84.1% |