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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 | $61,755-34.6% | $97,161-58.4% | $80,911-50.1% |
| Participation rate | 10.5% | 63.5%-53.0pp | 72.7%-62.2pp | 67.6%-57.1pp |
| Annual return | 15.08% | -557.90%+573.0pp | 75.36%-60.3pp | 35.63%-20.6pp |
| Employer contribution / active EE | $954 | $1,835-48.0% | $2,723-65.0% | $2,756-65.4% |
| Participant deferral / active EE | $2,087 | $3,026-31.0% | $4,265-51.1% | $4,297-51.4% |
| Admin fee / account holder | $1,401 | $5,166-72.9% | $5,647-75.2% | $6,935-79.8% |