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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 | $22,705 | $25,014-9.2% | $69,701-67.4% | $80,874-71.9% |
| Participation rate | 31.4% | 64.2%-32.9pp | 66.4%-35.1pp | 67.6%-36.3pp |
| Annual return | 14.32% | 19.07%-4.7pp | 100.32%-86.0pp | 35.62%-21.3pp |
| Employer contribution / active EE | $819 | $993-17.5% | $1,713-52.2% | $2,756-70.3% |
| Participant deferral / active EE | $1,382 | $1,839-24.9% | $2,887-52.1% | $4,297-67.8% |
| Admin fee / account holder | $7,057 | $2,488+183.6% | $4,717+49.6% | $6,935+1.8% |