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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 | $25,503 | $54,245-53.0% | $93,727-72.8% | $77,762-67.2% |
| Participation rate | 26.3% | 63.9%-37.6pp | 68.7%-42.4pp | 70.6%-44.3pp |
| Annual return | 19.03% | 30.58%-11.5pp | 133.83%-114.8pp | 31.27%-12.2pp |
| Employer contribution / active EE | $623 | $1,168-46.6% | $2,421-74.3% | $2,728-77.2% |
| Participant deferral / active EE | $1,475 | $3,144-53.1% | $4,417-66.6% | $4,651-68.3% |
| Admin fee / account holder | $5,454 | $575+847.9% | $8,292-34.2% | $433+1160.0% |