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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 | $26,914 | $71,197-62.2% | $93,669-71.3% | $80,925-66.7% |
| Participation rate | 31.6% | 60.4%-28.8pp | 68.7%-37.1pp | 67.7%-36.1pp |
| Annual return | 20.05% | 11.27%+8.8pp | 133.59%-113.5pp | 35.65%-15.6pp |
| Employer contribution / active EE | $1,198 | $1,565-23.4% | $2,424-50.6% | $2,756-56.5% |
| Participant deferral / active EE | $1,919 | $4,036-52.4% | $4,416-56.5% | $4,299-55.3% |
| Admin fee / account holder | $11,269 | $6,959+61.9% | $8,291+35.9% | $6,940+62.4% |