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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 | $20,064 | $75,828-73.5% | $147,617-86.4% | $59,632-66.4% |
| Participation rate | 48.3% | 71.6%-23.3pp | 84.6%-36.3pp | 68.7%-20.4pp |
| Annual return | 0.48% | 0.37%+0.1pp | 61.98%-61.5pp | 2041.32%-2040.8pp |
| Employer contribution / active EE | $540 | $3,485-84.5% | $5,565-90.3% | $2,203-75.5% |
| Participant deferral / active EE | $1,408 | $3,130-55.0% | $4,895-71.2% | $3,192-55.9% |
| Admin fee / account holder | $5,453 | $5,985-8.9% | $11,611-53.0% | $4,297+26.9% |