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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 | $28,220 | $61,755-54.3% | $97,161-71.0% | $80,911-65.1% |
| Participation rate | 44.7% | 63.5%-18.8pp | 72.7%-28.0pp | 67.6%-23.0pp |
| Annual return | 15.21% | -557.90%+573.1pp | 75.36%-60.1pp | 35.63%-20.4pp |
| Employer contribution / active EE | $1,166 | $1,835-36.4% | $2,723-57.2% | $2,756-57.7% |
| Participant deferral / active EE | $2,094 | $3,026-30.8% | $4,265-50.9% | $4,297-51.3% |
| Admin fee / account holder | $2,058 | $5,166-60.2% | $5,647-63.6% | $6,935-70.3% |