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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 | $31,982 | $48,053-33.4% | $84,628-62.2% | $72,975-56.2% |
| Participation rate | 50.0% | 57.6%-7.6pp | 68.2%-18.2pp | 69.5%-19.5pp |
| Annual return | 19.87% | 37.39%-17.5pp | 258.80%-238.9pp | 81.01%-61.1pp |
| Employer contribution / active EE | $384 | $1,602-76.0% | $2,653-85.5% | $2,440-84.3% |
| Participant deferral / active EE | $3,208 | $2,681+19.7% | $3,900-17.7% | $3,608-11.1% |
| Admin fee / account holder | $662 | $3,395-80.5% | $4,914-86.5% | $5,124-87.1% |