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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 | $61,789-57.1% | $97,167-72.7% | $80,874-67.2% |
| Participation rate | 38.8% | 63.5%-24.7pp | 72.7%-33.9pp | 67.6%-28.8pp |
| Annual return | 25.75% | -557.90%+583.7pp | 75.27%-49.5pp | 35.62%-9.9pp |
| Employer contribution / active EE | $1,395 | $1,837-24.0% | $2,729-48.9% | $2,756-49.4% |
| Participant deferral / active EE | $2,442 | $3,028-19.4% | $4,264-42.7% | $4,297-43.2% |
| Admin fee / account holder | $838 | $5,168-83.8% | $5,650-85.2% | $6,935-87.9% |