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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 | $26,535 | $61,755-57.0% | $97,161-72.7% | $80,911-67.2% |
| Participation rate | 38.8% | 63.5%-24.7pp | 72.7%-33.9pp | 67.6%-28.8pp |
| Annual return | 25.75% | -557.90%+583.7pp | 75.36%-49.6pp | 35.63%-9.9pp |
| Employer contribution / active EE | $1,395 | $1,835-24.0% | $2,723-48.8% | $2,756-49.4% |
| Participant deferral / active EE | $2,442 | $3,026-19.3% | $4,265-42.8% | $4,297-43.2% |
| Admin fee / account holder | $838 | $5,166-83.8% | $5,647-85.2% | $6,935-87.9% |