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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 | $55,319 | $63,861-13.4% | $104,639-47.1% | $79,856-30.7% |
| Participation rate | 46.4% | 64.9%-18.5pp | 74.1%-27.6pp | 69.6%-23.2pp |
| Annual return | 12.90% | 21.30%-8.4pp | 340.67%-327.8pp | 31.71%-18.8pp |
| Employer contribution / active EE | $435 | $1,588-72.6% | $2,682-83.8% | $2,471-82.4% |
| Participant deferral / active EE | $1,237 | $2,693-54.1% | $3,738-66.9% | $3,741-66.9% |
| Admin fee / account holder | $8,947 | $4,185+113.8% | $6,465+38.4% | $5,306+68.6% |