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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 | $21,712 | $61,816-64.9% | $97,260-77.7% | $80,935-73.2% |
| Participation rate | 30.0% | 63.5%-33.5pp | 72.7%-42.7pp | 67.7%-37.7pp |
| Annual return | 55.61% | -558.73%+614.3pp | 75.54%-19.9pp | 35.66%+19.9pp |
| Employer contribution / active EE | $771 | $1,836-58.0% | $2,721-71.7% | $2,757-72.0% |
| Participant deferral / active EE | $1,683 | $3,027-44.4% | $4,262-60.5% | $4,299-60.9% |
| Admin fee / account holder | $5,091 | $5,166-1.4% | $5,640-9.7% | $6,924-26.5% |