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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 | $14,258 | $78,690-81.9% | $161,489-91.2% | $87,485-83.7% |
| Participation rate | 48.7% | 67.5%-18.7pp | 78.7%-30.0pp | 68.9%-20.2pp |
| Annual return | 22.10% | 32.74%-10.6pp | 89.72%-67.6pp | 26.06%-4.0pp |
| Employer contribution / active EE | $1,196 | $2,588-53.8% | $4,268-72.0% | $2,596-53.9% |
| Participant deferral / active EE | $2,226 | $3,311-32.8% | $5,630-60.5% | $4,274-47.9% |
| Admin fee / account holder | $699 | $6,724-89.6% | $16,006-95.6% | $7,775-91.0% |