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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 | $104,650-49.5% | $83,854-37.0% | $155,188-66.0% |
| Participation rate | 38.9% | 65.1%-26.2pp | 59.1%-20.2pp | 80.8%-41.9pp |
| Annual return | 20.94% | 28.97%-8.0pp | 31.39%-10.5pp | 148.84%-127.9pp |
| Employer contribution / active EE | $502 | $1,196-58.1% | $1,017-50.7% | $4,248-88.2% |
| Participant deferral / active EE | $4,341 | $2,367+83.4% | $2,035+113.3% | $6,531-33.5% |
| Admin fee / account holder | $316 | $3,518-91.0% | $3,197-90.1% | $14,480-97.8% |