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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 | $6,698 | $23,330-71.3% | $64,489-89.6% | $82,448-91.9% |
| Participation rate | 58.2% | 68.3%-10.1pp | 67.7%-9.5pp | 68.1%-9.9pp |
| Annual return | 21.30% | 83.66%-62.4pp | 55.03%-33.7pp | 41.64%-20.3pp |
| Employer contribution / active EE | $405 | $824-50.9% | $1,523-73.4% | $2,551-84.1% |
| Participant deferral / active EE | $1,711 | $1,707+0.2% | $2,778-38.4% | $4,139-58.7% |
| Admin fee / account holder | $2,834 | $2,946-3.8% | $4,260-33.5% | $7,234-60.8% |