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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 | $22,778 | $46,534-51.1% | $64,097-64.5% | $75,177-69.7% |
| Participation rate | 51.9% | 65.9%-14.1pp | 72.3%-20.5pp | 67.2%-15.4pp |
| Annual return | 13.31% | 26.07%-12.8pp | 33.75%-20.4pp | 160.75%-147.4pp |
| Employer contribution / active EE | $412 | $1,976-79.2% | $2,750-85.0% | $2,671-84.6% |
| Participant deferral / active EE | $1,067 | $2,835-62.4% | $3,881-72.5% | $4,126-74.2% |
| Admin fee / account holder | $4,694 | $2,957+58.8% | $3,070+52.9% | $5,651-16.9% |