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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 | $25,677 | $49,177-47.8% | $79,466-67.7% | $64,173-60.0% |
| Participation rate | 43.9% | 65.0%-21.2pp | 73.3%-29.5pp | 69.6%-25.7pp |
| Annual return | -5.69% | -1.16%-4.5pp | 718.28%-724.0pp | 7.63%-13.3pp |
| Employer contribution / active EE | $849 | $2,076-59.1% | $2,800-69.7% | $2,381-64.4% |
| Participant deferral / active EE | $1,071 | $2,821-62.0% | $3,704-71.1% | $3,470-69.1% |
| Admin fee / account holder | $4,959 | $3,839+29.2% | $5,104-2.8% | $4,887+1.5% |