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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 | $30,819 | $93,064-66.9% | $74,577-58.7% | $273,972-88.8% |
| Participation rate | 23.1% | 74.9%-51.9pp | 68.1%-45.0pp | 83.0%-59.9pp |
| Annual return | 1.90% | 26.18%-24.3pp | 20.47%-18.6pp | 41.46%-39.6pp |
| Employer contribution / active EE | $1,602 | $3,160-49.3% | $2,525-36.5% | $4,869-67.1% |
| Participant deferral / active EE | $3,486 | $4,160-16.2% | $3,458+0.8% | $5,287-34.1% |
| Admin fee / account holder | $11,547 | $5,273+119.0% | $4,138+179.0% | $10,133+14.0% |