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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 | $14,797 | $47,944-69.1% | $67,834-78.2% | $62,881-76.5% |
| Participation rate | 27.7% | 61.1%-33.4pp | 68.8%-41.1pp | 69.3%-41.6pp |
| Annual return | 12.32% | 11.77%+0.6pp | 138.47%-126.2pp | 20.14%-7.8pp |
| Employer contribution / active EE | $733 | $1,562-53.1% | $2,403-69.5% | $2,281-67.9% |
| Participant deferral / active EE | $1,430 | $2,247-36.3% | $3,160-54.7% | $3,203-55.3% |
| Admin fee / account holder | $607 | $3,712-83.6% | $4,622-86.9% | $4,296-85.9% |