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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 | $13,343 | $46,534-71.3% | $64,097-79.2% | $75,177-82.3% |
| Participation rate | 26.9% | 65.9%-39.0pp | 72.3%-45.4pp | 67.2%-40.3pp |
| Annual return | 152.80% | 26.07%+126.7pp | 33.75%+119.1pp | 160.75%-8.0pp |
| Employer contribution / active EE | $505 | $1,976-74.5% | $2,750-81.6% | $2,671-81.1% |
| Participant deferral / active EE | $1,012 | $2,835-64.3% | $3,881-73.9% | $4,126-75.5% |
| Admin fee / account holder | $714 | $2,957-75.9% | $3,070-76.7% | $5,651-87.4% |