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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 | $36,904-31.9% | $158,223-84.1% | $65,191-61.4% |
| Participation rate | 29.2% | 62.1%-32.9pp | 79.2%-50.0pp | 63.0%-33.8pp |
| Annual return | 12.54% | 24.43%-11.9pp | 52.09%-39.5pp | 51.24%-38.7pp |
| Employer contribution / active EE | $487 | $1,489-67.3% | $4,109-88.2% | $2,400-79.7% |
| Participant deferral / active EE | $977 | $1,936-49.5% | $5,467-82.1% | $2,671-63.4% |
| Admin fee / account holder | $2,704 | $793+241.0% | $16,047-83.1% | $907+198.2% |