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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 | $26,228 | $49,976-47.5% | $66,674-60.7% | $82,637-68.3% |
| Participation rate | 56.0% | 63.1%-7.1pp | 73.7%-17.7pp | 68.1%-12.1pp |
| Annual return | 15.85% | 39.09%-23.2pp | 321.24%-305.4pp | 53.51%-37.7pp |
| Employer contribution / active EE | $718 | $1,988-63.9% | $2,620-72.6% | $2,552-71.9% |
| Participant deferral / active EE | $1,597 | $2,847-43.9% | $4,084-60.9% | $4,126-61.3% |
| Admin fee / account holder | $992 | $4,594-78.4% | $5,098-80.5% | $7,339-86.5% |