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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 | $31,346 | $67,823-53.8% | $52,425-40.2% | $137,256-77.2% |
| Participation rate | 25.0% | 63.9%-38.9pp | 55.6%-30.6pp | 80.0%-55.0pp |
| Annual return | 25.79% | 219.11%-193.3pp | 302.12%-276.3pp | 220.34%-194.6pp |
| Employer contribution / active EE | $713 | $1,163-38.7% | $914-22.1% | $4,156-82.9% |
| Participant deferral / active EE | $2,061 | $2,288-9.9% | $1,790+15.1% | $6,407-67.8% |
| Admin fee / account holder | $4,393 | $2,844+54.4% | $2,495+76.1% | $12,270-64.2% |