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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 | $24,063 | $58,848-59.1% | $88,179-72.7% | $82,637-70.9% |
| Participation rate | 45.9% | 57.9%-12.0pp | 69.1%-23.2pp | 68.1%-22.1pp |
| Annual return | 14.50% | 22.76%-8.3pp | 64.97%-50.5pp | 53.51%-39.0pp |
| Employer contribution / active EE | $760 | $1,678-54.7% | $2,549-70.2% | $2,552-70.2% |
| Participant deferral / active EE | $1,222 | $3,124-60.9% | $4,614-73.5% | $4,126-70.4% |
| Admin fee / account holder | $6,527 | $4,795+36.1% | $7,673-14.9% | $7,339-11.1% |