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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 | $43,460 | $91,198-52.3% | $178,503-75.7% | $79,856-45.6% |
| Participation rate | 30.8% | 69.2%-38.4pp | 81.9%-51.2pp | 69.6%-38.9pp |
| Annual return | 15.88% | 24.20%-8.3pp | 151.12%-135.2pp | 31.71%-15.8pp |
| Employer contribution / active EE | $726 | $3,257-77.7% | $5,011-85.5% | $2,471-70.6% |
| Participant deferral / active EE | $1,795 | $3,237-44.5% | $5,202-65.5% | $3,741-52.0% |
| Admin fee / account holder | $12,636 | $6,748+87.2% | $13,987-9.7% | $5,306+138.1% |