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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 | $22,577 | $61,815-63.5% | $97,295-76.8% | $80,959-72.1% |
| Participation rate | 36.7% | 63.5%-26.8pp | 72.7%-36.0pp | 67.7%-31.0pp |
| Annual return | 16.28% | -558.73%+575.0pp | 75.62%-59.3pp | 35.67%-19.4pp |
| Employer contribution / active EE | $1,041 | $1,836-43.3% | $2,723-61.8% | $2,757-62.2% |
| Participant deferral / active EE | $1,662 | $3,027-45.1% | $4,264-61.0% | $4,300-61.3% |
| Admin fee / account holder | $458 | $5,166-91.1% | $5,646-91.9% | $6,925-93.4% |