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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 | $43,300 | $61,755-29.9% | $97,161-55.4% | $80,911-46.5% |
| Participation rate | 35.6% | 63.5%-27.9pp | 72.7%-37.1pp | 67.6%-32.1pp |
| Annual return | 13.58% | -557.90%+571.5pp | 75.36%-61.8pp | 35.63%-22.0pp |
| Employer contribution / active EE | $937 | $1,835-48.9% | $2,723-65.6% | $2,756-66.0% |
| Participant deferral / active EE | $1,270 | $3,026-58.0% | $4,265-70.2% | $4,297-70.4% |
| Admin fee / account holder | $885 | $5,166-82.9% | $5,647-84.3% | $6,935-87.2% |