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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 | $21,696 | $49,976-56.6% | $66,674-67.5% | $82,637-73.7% |
| Participation rate | 20.7% | 63.1%-42.4pp | 73.7%-53.0pp | 68.1%-47.4pp |
| Annual return | 15.06% | 39.09%-24.0pp | 321.24%-306.2pp | 53.51%-38.4pp |
| Employer contribution / active EE | $955 | $1,988-52.0% | $2,620-63.5% | $2,552-62.6% |
| Participant deferral / active EE | $762 | $2,847-73.2% | $4,084-81.3% | $4,126-81.5% |
| Admin fee / account holder | $13,951 | $4,594+203.7% | $5,098+173.6% | $7,339+90.1% |