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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 | $27,976 | $56,060-50.1% | $76,002-63.2% | $80,874-65.4% |
| Participation rate | 42.9% | 62.0%-19.2pp | 69.1%-26.2pp | 67.6%-24.8pp |
| Annual return | 20.84% | 20.54%+0.3pp | 360.07%-339.2pp | 35.62%-14.8pp |
| Employer contribution / active EE | $533 | $1,873-71.5% | $2,688-80.2% | $2,756-80.7% |
| Participant deferral / active EE | $2,268 | $3,051-25.7% | $4,257-46.7% | $4,297-47.2% |
| Admin fee / account holder | $413 | $5,237-92.1% | $6,414-93.6% | $6,935-94.0% |