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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 | $25,142 | $42,909-41.4% | $152,093-83.5% | $71,012-64.6% |
| Participation rate | 29.2% | 54.7%-25.4pp | 77.8%-48.5pp | 58.6%-29.3pp |
| Annual return | 12.54% | 30.57%-18.0pp | 66.36%-53.8pp | 37.67%-25.1pp |
| Employer contribution / active EE | $487 | $1,369-64.5% | $4,175-88.3% | $2,348-79.3% |
| Participant deferral / active EE | $977 | $1,904-48.7% | $5,451-82.1% | $3,246-69.9% |
| Admin fee / account holder | $2,704 | $1,014+166.7% | $14,497-81.3% | $1,167+131.7% |