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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 | $25,059 | $57,590-56.5% | $86,233-70.9% | $82,448-69.6% |
| Participation rate | 43.8% | 57.9%-14.1pp | 69.0%-25.3pp | 68.1%-24.3pp |
| Annual return | 167.26% | 22.41%+144.9pp | 61.39%+105.9pp | 41.64%+125.6pp |
| Employer contribution / active EE | $898 | $1,655-45.7% | $2,504-64.1% | $2,551-64.8% |
| Participant deferral / active EE | $2,287 | $3,080-25.7% | $4,559-49.8% | $4,139-44.7% |
| Admin fee / account holder | $26,967 | $4,730+470.1% | $8,342+223.3% | $7,234+272.8% |