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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 | $39,210 | $58,311-32.8% | $81,882-52.1% | $80,959-51.6% |
| Participation rate | 42.9% | 63.5%-20.6pp | 72.4%-29.5pp | 67.7%-24.8pp |
| Annual return | 13.09% | 41.85%-28.8pp | 779.47%-766.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,026 | $2,347-56.3% | $2,916-64.8% | $2,757-62.8% |
| Participant deferral / active EE | $1,517 | $3,287-53.9% | $4,323-64.9% | $4,300-64.7% |
| Admin fee / account holder | $324 | $4,752-93.2% | $7,360-95.6% | $6,925-95.3% |