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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 | $24,163 | $77,638-68.9% | $156,551-84.6% | $62,881-61.6% |
| Participation rate | 41.1% | 71.2%-30.1pp | 84.0%-42.9pp | 69.3%-28.2pp |
| Annual return | 6.30% | 50.33%-44.0pp | 32.23%-25.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $827 | $3,444-76.0% | $5,501-85.0% | $2,281-63.7% |
| Participant deferral / active EE | $2,665 | $3,046-12.5% | $4,871-45.3% | $3,203-16.8% |
| Admin fee / account holder | $13,314 | $5,561+139.4% | $13,028+2.2% | $4,296+209.9% |