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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 | $21,802 | $61,338-64.5% | $149,717-85.4% | $71,495-69.5% |
| Participation rate | 25.7% | 62.5%-36.8pp | 78.8%-53.1pp | 67.9%-42.3pp |
| Annual return | 15.39% | 35.86%-20.5pp | 134.41%-119.0pp | 28.85%-13.5pp |
| Employer contribution / active EE | $592 | $2,381-75.1% | $4,820-87.7% | $2,589-77.1% |
| Participant deferral / active EE | $1,060 | $2,919-63.7% | $5,682-81.3% | $4,291-75.3% |
| Admin fee / account holder | $5,690 | $1,263+350.6% | $13,213-56.9% | $1,588+258.4% |