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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 | $23,846 | $58,726-59.4% | $92,240-74.1% | $62,293-61.7% |
| Participation rate | 35.1% | 68.3%-33.2pp | 76.5%-41.3pp | 69.5%-34.4pp |
| Annual return | 15.85% | 43.62%-27.8pp | 176.29%-160.4pp | 28.90%-13.0pp |
| Employer contribution / active EE | $916 | $2,392-61.7% | $3,680-75.1% | $2,042-55.2% |
| Participant deferral / active EE | $1,378 | $2,766-50.2% | $3,897-64.6% | $3,169-56.5% |
| Admin fee / account holder | $1,512 | $556+171.7% | $5,194-70.9% | $479+215.4% |