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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 | $35,684 | $44,746-20.3% | $88,179-59.5% | $64,097-44.3% |
| Participation rate | 7.1% | 39.8%-32.8pp | 69.1%-62.1pp | 55.2%-48.1pp |
| Annual return | 21.19% | 24.70%-3.5pp | 64.97%-43.8pp | 34.64%-13.5pp |
| Employer contribution / active EE | $219 | $1,078-79.7% | $2,549-91.4% | $1,891-88.4% |
| Participant deferral / active EE | $595 | $2,072-71.3% | $4,614-87.1% | $3,080-80.7% |
| Admin fee / account holder | $515 | $3,437-85.0% | $7,673-93.3% | $3,454-85.1% |