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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 | $13,258 | $51,207-74.1% | $70,565-81.2% | $75,177-82.4% |
| Participation rate | 42.3% | 61.0%-18.7pp | 68.4%-26.0pp | 67.2%-24.9pp |
| Annual return | 13.71% | 30.05%-16.3pp | 32.79%-19.1pp | 160.75%-147.0pp |
| Employer contribution / active EE | $653 | $1,826-64.2% | $2,976-78.0% | $2,671-75.5% |
| Participant deferral / active EE | $1,029 | $2,850-63.9% | $4,568-77.5% | $4,126-75.1% |
| Admin fee / account holder | $17,741 | $4,097+333.0% | $6,430+175.9% | $5,651+213.9% |