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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 | $32,863 | $77,638-57.7% | $156,551-79.0% | $62,881-47.7% |
| Participation rate | 52.8% | 71.2%-18.4pp | 84.0%-31.2pp | 69.3%-16.5pp |
| Annual return | 6.73% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,308 | $3,444-62.0% | $5,501-76.2% | $2,281-42.7% |
| Participant deferral / active EE | $2,167 | $3,046-28.8% | $4,871-55.5% | $3,203-32.3% |
| Admin fee / account holder | $9,190 | $5,561+65.2% | $13,028-29.5% | $4,296+113.9% |