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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 | $16,811 | $43,423-61.3% | $78,676-78.6% | $55,167-69.5% |
| Participation rate | 34.8% | 68.0%-33.2pp | 73.6%-38.7pp | 69.0%-34.2pp |
| Annual return | 37.59% | 11.53%+26.1pp | 62.19%-24.6pp | 169.23%-131.6pp |
| Employer contribution / active EE | $1,032 | $1,997-48.3% | $2,850-63.8% | $1,963-47.4% |
| Participant deferral / active EE | $1,635 | $2,509-34.8% | $3,517-53.5% | $3,054-46.5% |
| Admin fee / account holder | $934 | $416+124.3% | $4,510-79.3% | $504+85.3% |