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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 | $52,798 | $94,439-44.1% | $73,658-28.3% | $154,746-65.9% |
| Participation rate | 38.9% | 64.7%-25.8pp | 57.0%-18.2pp | 80.7%-41.8pp |
| Annual return | 20.94% | 28.25%-7.3pp | 29.72%-8.8pp | 172.34%-151.4pp |
| Employer contribution / active EE | $502 | $1,257-60.1% | $1,032-51.4% | $4,379-88.5% |
| Participant deferral / active EE | $4,341 | $2,527+71.8% | $2,062+110.5% | $6,730-35.5% |
| Admin fee / account holder | $316 | $3,843-91.8% | $3,357-90.6% | $14,365-97.8% |