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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 | $42,051 | $61,789-31.9% | $97,167-56.7% | $80,874-48.0% |
| Participation rate | 45.7% | 63.5%-17.8pp | 72.7%-27.0pp | 67.6%-21.9pp |
| Annual return | 11.65% | -557.90%+569.6pp | 75.27%-63.6pp | 35.62%-24.0pp |
| Employer contribution / active EE | $890 | $1,837-51.6% | $2,729-67.4% | $2,756-67.7% |
| Participant deferral / active EE | $1,427 | $3,028-52.9% | $4,264-66.5% | $4,297-66.8% |
| Admin fee / account holder | $1,425 | $5,168-72.4% | $5,650-74.8% | $6,935-79.5% |