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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 | $26,261 | $58,888-55.4% | $178,499-85.3% | $73,493-64.3% |
| Participation rate | 63.8% | 66.2%-2.5pp | 81.9%-18.1pp | 70.7%-6.9pp |
| Annual return | 14.25% | 24.86%-10.6pp | 151.10%-136.8pp | 28.51%-14.3pp |
| Employer contribution / active EE | $1,304 | $2,236-41.7% | $5,011-74.0% | $2,270-42.6% |
| Participant deferral / active EE | $2,310 | $2,568-10.1% | $5,202-55.6% | $3,740-38.2% |
| Admin fee / account holder | $1,459 | $400+264.6% | $13,986-89.6% | $513+184.4% |