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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 | $27,608 | $78,690-64.9% | $161,489-82.9% | $87,485-68.4% |
| Participation rate | 21.2% | 67.5%-46.3pp | 78.7%-57.5pp | 68.9%-47.8pp |
| Annual return | 14.62% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $856 | $2,588-66.9% | $4,268-79.9% | $2,596-67.0% |
| Participant deferral / active EE | $1,881 | $3,311-43.2% | $5,630-66.6% | $4,274-56.0% |
| Admin fee / account holder | $1,332 | $6,724-80.2% | $16,006-91.7% | $7,775-82.9% |