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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 | $27,806 | $67,823-59.0% | $52,425-47.0% | $137,256-79.7% |
| Participation rate | 23.8% | 63.9%-40.1pp | 55.6%-31.8pp | 80.0%-56.2pp |
| Annual return | 17.38% | 219.11%-201.7pp | 302.12%-284.7pp | 220.34%-203.0pp |
| Employer contribution / active EE | $174 | $1,163-85.1% | $914-81.0% | $4,156-95.8% |
| Participant deferral / active EE | $2,107 | $2,288-7.9% | $1,790+17.7% | $6,407-67.1% |
| Admin fee / account holder | $448 | $2,844-84.2% | $2,495-82.0% | $12,270-96.3% |