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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 | $24,161 | $49,896-51.6% | $80,627-70.0% | $75,173-67.9% |
| Participation rate | 45.2% | 55.3%-10.2pp | 67.0%-21.9pp | 67.2%-22.0pp |
| Annual return | 15.60% | 34.67%-19.1pp | 936.76%-921.2pp | 160.72%-145.1pp |
| Employer contribution / active EE | $435 | $1,699-74.4% | $2,723-84.0% | $2,671-83.7% |
| Participant deferral / active EE | $1,485 | $2,992-50.4% | $4,443-66.6% | $4,126-64.0% |
| Admin fee / account holder | $1,048 | $3,578-70.7% | $5,381-80.5% | $5,651-81.5% |