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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 | $25,905 | $57,140-54.7% | $85,240-69.6% | $80,959-68.0% |
| Participation rate | 39.5% | 56.4%-16.9pp | 67.5%-28.1pp | 67.7%-28.2pp |
| Annual return | 11.51% | 21.71%-10.2pp | 66.75%-55.2pp | 35.67%-24.2pp |
| Employer contribution / active EE | $1,651 | $1,802-8.4% | $2,735-39.6% | $2,757-40.1% |
| Participant deferral / active EE | $1,651 | $3,115-47.0% | $4,527-63.5% | $4,300-61.6% |
| Admin fee / account holder | $7,932 | $4,992+58.9% | $6,165+28.7% | $6,925+14.5% |