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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 | $42,424 | $67,894-37.5% | $89,340-52.5% | $82,448-48.5% |
| Participation rate | 17.8% | 64.0%-46.2pp | 69.6%-51.8pp | 68.1%-50.3pp |
| Annual return | 16.92% | 19.21%-2.3pp | 20.57%-3.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $444 | $1,828-75.7% | $2,231-80.1% | $2,551-82.6% |
| Participant deferral / active EE | $1,359 | $3,072-55.8% | $3,823-64.4% | $4,139-67.2% |
| Admin fee / account holder | $8,153 | $5,723+42.5% | $6,704+21.6% | $7,234+12.7% |