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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 | $23,873 | $61,787-61.4% | $97,197-75.4% | $80,925-70.5% |
| Participation rate | 35.5% | 63.5%-28.0pp | 72.7%-37.2pp | 67.7%-32.2pp |
| Annual return | 12.76% | -558.16%+570.9pp | 75.47%-62.7pp | 35.65%-22.9pp |
| Employer contribution / active EE | $773 | $1,836-57.9% | $2,723-71.6% | $2,756-71.9% |
| Participant deferral / active EE | $1,537 | $3,027-49.2% | $4,263-64.0% | $4,299-64.3% |
| Admin fee / account holder | $764 | $5,170-85.2% | $5,637-86.4% | $6,940-89.0% |