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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 | $19,251 | $49,976-61.5% | $66,674-71.1% | $82,637-76.7% |
| Participation rate | 48.6% | 63.1%-14.5pp | 73.7%-25.1pp | 68.1%-19.5pp |
| Annual return | 22.42% | 39.09%-16.7pp | 321.24%-298.8pp | 53.51%-31.1pp |
| Employer contribution / active EE | $1,640 | $1,988-17.5% | $2,620-37.4% | $2,552-35.7% |
| Participant deferral / active EE | $2,319 | $2,847-18.5% | $4,084-43.2% | $4,126-43.8% |
| Admin fee / account holder | $2,357 | $4,594-48.7% | $5,098-53.8% | $7,339-67.9% |