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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 | $19,080 | $87,546-78.2% | $75,784-74.8% | $125,389-84.8% |
| Participation rate | 66.7% | 80.2%-13.5pp | 75.8%-9.2pp | 83.2%-16.5pp |
| Annual return | -0.82% | 13.49%-14.3pp | 9.68%-10.5pp | 282.24%-283.1pp |
| Employer contribution / active EE | $6,224 | $3,930+58.4% | $3,323+87.3% | $4,866+27.9% |
| Participant deferral / active EE | $4,383 | $4,230+3.6% | $3,652+20.0% | $5,352-18.1% |
| Admin fee / account holder | $20,241 | $6,503+211.3% | $5,300+281.9% | $9,541+112.2% |