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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 | $22,970 | $57,352-59.9% | $83,831-72.6% | $64,173-64.2% |
| Participation rate | 29.3% | 68.6%-39.3pp | 76.1%-46.8pp | 69.6%-40.2pp |
| Annual return | -6.10% | 11.38%-17.5pp | 850.99%-857.1pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,118 | $2,546-56.1% | $3,631-69.2% | $2,381-53.0% |
| Participant deferral / active EE | $2,495 | $2,993-16.6% | $4,082-38.9% | $3,470-28.1% |
| Admin fee / account holder | $6,303 | $4,046+55.8% | $5,479+15.0% | $4,887+29.0% |