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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 | $25,530 | $38,365-33.5% | $84,628-69.8% | $65,185-60.8% |
| Participation rate | 17.8% | 55.7%-37.9pp | 68.2%-50.4pp | 70.2%-52.4pp |
| Annual return | 23.83% | 32.00%-8.2pp | 258.80%-235.0pp | 29.38%-5.6pp |
| Employer contribution / active EE | $593 | $1,258-52.9% | $2,653-77.6% | $2,177-72.7% |
| Participant deferral / active EE | $1,370 | $2,278-39.9% | $3,900-64.9% | $3,514-61.0% |
| Admin fee / account holder | $4,248 | $451+841.1% | $4,914-13.6% | $847+401.4% |