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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 | $39,674 | $63,703-37.7% | $93,063-57.4% | $82,448-51.9% |
| Participation rate | 31.6% | 63.8%-32.3pp | 72.1%-40.5pp | 68.1%-36.5pp |
| Annual return | 18.40% | -775.43%+793.8pp | 34.15%-15.8pp | 41.64%-23.2pp |
| Employer contribution / active EE | $660 | $1,729-61.8% | $2,476-73.3% | $2,551-74.1% |
| Participant deferral / active EE | $1,908 | $2,919-34.6% | $3,958-51.8% | $4,139-53.9% |
| Admin fee / account holder | $300 | $5,982-95.0% | $6,033-95.0% | $7,234-95.8% |