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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 | $30,121 | $57,350-47.5% | $83,850-64.1% | $64,181-53.1% |
| Participation rate | 56.8% | 68.6%-11.8pp | 76.1%-19.3pp | 69.6%-12.8pp |
| Annual return | -0.91% | 11.38%-12.3pp | 850.92%-851.8pp | 7.63%-8.5pp |
| Employer contribution / active EE | $965 | $2,545-62.1% | $3,631-73.4% | $2,381-59.5% |
| Participant deferral / active EE | $1,264 | $2,993-57.8% | $4,082-69.0% | $3,470-63.6% |
| Admin fee / account holder | $2,291 | $4,046-43.4% | $5,478-58.2% | $4,887-53.1% |