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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 | $21,337 | $52,884-59.7% | $84,753-74.8% | $55,167-61.3% |
| Participation rate | 37.6% | 67.5%-29.9pp | 76.6%-39.0pp | 69.0%-31.4pp |
| Annual return | 10.87% | 18.03%-7.2pp | 22.78%-11.9pp | 169.23%-158.4pp |
| Employer contribution / active EE | $879 | $2,233-60.6% | $3,574-75.4% | $1,963-55.2% |
| Participant deferral / active EE | $2,494 | $2,644-5.7% | $3,712-32.8% | $3,054-18.3% |
| Admin fee / account holder | $4,394 | $581+656.6% | $5,333-17.6% | $504+771.9% |