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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 | $24,791 | $25,723-3.6% | $69,182-64.2% | $55,167-55.1% |
| Participation rate | 15.6% | 39.4%-23.8pp | 55.1%-39.5pp | 69.0%-53.4pp |
| Annual return | 8.16% | 9.56%-1.4pp | -21.93%+30.1pp | 169.23%-161.1pp |
| Employer contribution / active EE | $355 | $480-26.2% | $1,206-70.6% | $1,963-81.9% |
| Participant deferral / active EE | $505 | $963-47.6% | $1,897-73.4% | $3,054-83.5% |
| Admin fee / account holder | $1,603 | $365+339.6% | $2,697-40.6% | $504+218.1% |