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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 | $29,734 | $61,815-51.9% | $97,295-69.4% | $80,959-63.3% |
| Participation rate | 44.4% | 63.5%-19.0pp | 72.7%-28.2pp | 67.7%-23.2pp |
| Annual return | 12.89% | -558.73%+571.6pp | 75.62%-62.7pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,231 | $1,836-33.0% | $2,723-54.8% | $2,757-55.4% |
| Participant deferral / active EE | $3,154 | $3,027+4.2% | $4,264-26.0% | $4,300-26.7% |
| Admin fee / account holder | $465 | $5,166-91.0% | $5,646-91.8% | $6,925-93.3% |