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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 | $22,476 | $52,884-57.5% | $84,753-73.5% | $55,167-59.3% |
| Participation rate | 34.3% | 67.5%-33.2pp | 76.6%-42.3pp | 69.0%-34.7pp |
| Annual return | 36.67% | 18.03%+18.6pp | 22.78%+13.9pp | 169.23%-132.6pp |
| Employer contribution / active EE | $0 | $2,233-100.0% | $3,574-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,512 | $2,644-42.8% | $3,712-59.3% | $3,054-50.5% |
| Admin fee / account holder | $771 | $581+32.8% | $5,333-85.5% | $504+53.1% |