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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 | $30,455 | $61,787-50.7% | $97,197-68.7% | $80,925-62.4% |
| Participation rate | 27.1% | 63.5%-36.4pp | 72.7%-45.6pp | 67.7%-40.6pp |
| Annual return | 10.94% | -558.16%+569.1pp | 75.47%-64.5pp | 35.65%-24.7pp |
| Employer contribution / active EE | $674 | $1,836-63.3% | $2,723-75.3% | $2,756-75.6% |
| Participant deferral / active EE | $1,303 | $3,027-56.9% | $4,263-69.4% | $4,299-69.7% |
| Admin fee / account holder | $6,383 | $5,170+23.5% | $5,637+13.2% | $6,940-8.0% |