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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 | $32,409 | $61,815-47.6% | $97,295-66.7% | $80,959-60.0% |
| Participation rate | 49.0% | 63.5%-14.5pp | 72.7%-23.7pp | 67.7%-18.7pp |
| Annual return | 14.85% | -558.73%+573.6pp | 75.62%-60.8pp | 35.67%-20.8pp |
| Employer contribution / active EE | $986 | $1,836-46.3% | $2,723-63.8% | $2,757-64.2% |
| Participant deferral / active EE | $1,665 | $3,027-45.0% | $4,264-61.0% | $4,300-61.3% |
| Admin fee / account holder | $514 | $5,166-90.1% | $5,646-90.9% | $6,925-92.6% |