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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 | $40,397 | $61,816-34.6% | $97,260-58.5% | $80,935-50.1% |
| Participation rate | 10.5% | 63.5%-52.9pp | 72.7%-62.1pp | 67.7%-57.1pp |
| Annual return | 15.08% | -558.73%+573.8pp | 75.54%-60.5pp | 35.66%-20.6pp |
| Employer contribution / active EE | $954 | $1,836-48.1% | $2,721-64.9% | $2,757-65.4% |
| Participant deferral / active EE | $2,087 | $3,027-31.0% | $4,262-51.0% | $4,299-51.5% |
| Admin fee / account holder | $1,401 | $5,166-72.9% | $5,640-75.2% | $6,924-79.8% |