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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 | $25,091 | $61,391-59.1% | $149,723-83.2% | $71,529-64.9% |
| Participation rate | 36.9% | 62.5%-25.6pp | 78.8%-41.9pp | 67.9%-31.0pp |
| Annual return | 15.10% | 35.88%-20.8pp | 134.50%-119.4pp | 28.97%-13.9pp |
| Employer contribution / active EE | $647 | $2,384-72.8% | $4,821-86.6% | $2,590-75.0% |
| Participant deferral / active EE | $1,265 | $2,921-56.7% | $5,682-77.7% | $4,291-70.5% |
| Admin fee / account holder | $2,812 | $1,264+122.4% | $13,215-78.7% | $1,588+77.0% |