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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 | $43,106 | $78,423-45.0% | $95,964-55.1% | $79,856-46.0% |
| Participation rate | 42.0% | 73.5%-31.5pp | 77.1%-35.1pp | 69.6%-27.7pp |
| Annual return | 17.21% | 19.37%-2.2pp | 91.64%-74.4pp | 31.71%-14.5pp |
| Employer contribution / active EE | $848 | $1,945-56.4% | $2,541-66.6% | $2,471-65.7% |
| Participant deferral / active EE | $2,595 | $3,440-24.6% | $4,167-37.7% | $3,741-30.6% |
| Admin fee / account holder | $965 | $5,622-82.8% | $6,797-85.8% | $5,306-81.8% |