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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 | $25,204 | $29,051-13.2% | $52,425-51.9% | $67,986-62.9% |
| Participation rate | 8.8% | 30.4%-21.6pp | 55.6%-46.8pp | 57.2%-48.4pp |
| Annual return | 20.73% | 24.00%-3.3pp | 302.12%-281.4pp | 31.67%-10.9pp |
| Employer contribution / active EE | $180 | $412-56.2% | $914-80.3% | $2,019-91.1% |
| Participant deferral / active EE | $413 | $873-52.7% | $1,790-76.9% | $3,358-87.7% |
| Admin fee / account holder | $2,008 | $2,113-4.9% | $2,495-19.5% | $3,203-37.3% |