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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 | $61,755-63.4% | $97,161-76.8% | $80,911-72.1% |
| Participation rate | 36.7% | 63.5%-26.8pp | 72.7%-36.0pp | 67.6%-31.0pp |
| Annual return | 16.28% | -557.90%+574.2pp | 75.36%-59.1pp | 35.63%-19.4pp |
| Employer contribution / active EE | $1,041 | $1,835-43.3% | $2,723-61.8% | $2,756-62.2% |
| Participant deferral / active EE | $1,662 | $3,026-45.1% | $4,265-61.0% | $4,297-61.3% |
| Admin fee / account holder | $458 | $5,166-91.1% | $5,647-91.9% | $6,935-93.4% |