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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 | $38,933 | $61,815-37.0% | $97,295-60.0% | $80,959-51.9% |
| Participation rate | 16.7% | 63.5%-46.8pp | 72.7%-56.0pp | 67.7%-51.0pp |
| Annual return | 19.48% | -558.73%+578.2pp | 75.62%-56.1pp | 35.67%-16.2pp |
| Employer contribution / active EE | $536 | $1,836-70.8% | $2,723-80.3% | $2,757-80.6% |
| Participant deferral / active EE | $1,914 | $3,027-36.8% | $4,264-55.1% | $4,300-55.5% |
| Admin fee / account holder | $340 | $5,166-93.4% | $5,646-94.0% | $6,925-95.1% |