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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 | $21,200 | $42,546-50.2% | $71,796-70.5% | $55,167-61.6% |
| Participation rate | 28.0% | 59.1%-31.1pp | 69.1%-41.1pp | 69.0%-41.0pp |
| Annual return | 6.89% | 12.36%-5.5pp | 78.04%-71.2pp | 169.23%-162.3pp |
| Employer contribution / active EE | $460 | $803-42.7% | $1,924-76.1% | $1,963-76.5% |
| Participant deferral / active EE | $1,085 | $2,064-47.4% | $2,794-61.2% | $3,054-64.5% |
| Admin fee / account holder | $4,330 | $650+566.5% | $4,815-10.1% | $504+759.2% |