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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 | $23,990 | $56,063-57.2% | $76,051-68.5% | $80,911-70.4% |
| Participation rate | 21.4% | 62.0%-40.6pp | 69.1%-47.6pp | 67.6%-46.2pp |
| Annual return | 18.04% | 20.54%-2.5pp | 360.42%-342.4pp | 35.63%-17.6pp |
| Employer contribution / active EE | $1,003 | $1,874-46.5% | $2,690-62.7% | $2,756-63.6% |
| Participant deferral / active EE | $1,813 | $3,052-40.6% | $4,257-57.4% | $4,297-57.8% |
| Admin fee / account holder | $2,064 | $5,240-60.6% | $6,416-67.8% | $6,935-70.2% |