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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 | $26,124 | $57,350-54.4% | $83,850-68.8% | $64,181-59.3% |
| Participation rate | 58.1% | 68.6%-10.5pp | 76.1%-18.1pp | 69.6%-11.5pp |
| Annual return | -4.85% | 11.38%-16.2pp | 850.92%-855.8pp | 7.63%-12.5pp |
| Employer contribution / active EE | $1,077 | $2,545-57.7% | $3,631-70.3% | $2,381-54.8% |
| Participant deferral / active EE | $1,860 | $2,993-37.9% | $4,082-54.4% | $3,470-46.4% |
| Admin fee / account holder | $1,227 | $4,046-69.7% | $5,478-77.6% | $4,887-74.9% |