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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 | $22,624 | $77,816-70.9% | $123,549-81.7% | $64,181-64.7% |
| Participation rate | 62.5% | 74.7%-12.2pp | 82.3%-19.8pp | 69.6%-7.1pp |
| Annual return | 0.69% | 12.49%-11.8pp | 119.20%-118.5pp | 7.63%-6.9pp |
| Employer contribution / active EE | $829 | $3,014-72.5% | $4,628-82.1% | $2,381-65.2% |
| Participant deferral / active EE | $2,461 | $5,240-53.0% | $6,426-61.7% | $3,470-29.1% |
| Admin fee / account holder | $21,003 | $5,519+280.6% | $9,284+126.2% | $4,887+329.7% |