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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 | $43,426 | $76,407-43.2% | $150,298-71.1% | $82,448-47.3% |
| Participation rate | 20.2% | 66.4%-46.2pp | 77.8%-57.5pp | 68.1%-47.8pp |
| Annual return | 16.05% | 39.99%-23.9pp | 62.79%-46.7pp | 41.64%-25.6pp |
| Employer contribution / active EE | $311 | $2,614-88.1% | $4,154-92.5% | $2,551-87.8% |
| Participant deferral / active EE | $1,006 | $3,214-68.7% | $5,453-81.6% | $4,139-75.7% |
| Admin fee / account holder | $8,652 | $6,352+36.2% | $14,116-38.7% | $7,234+19.6% |