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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 | $41,730 | $41,377+0.9% | $109,313-61.8% | $62,881-33.6% |
| Participation rate | 40.5% | 57.5%-17.1pp | 71.3%-30.8pp | 69.3%-28.8pp |
| Annual return | 5.22% | 11.05%-5.8pp | 22.07%-16.9pp | 20.14%-14.9pp |
| Employer contribution / active EE | $621 | $1,276-51.4% | $3,892-84.1% | $2,281-72.8% |
| Participant deferral / active EE | $1,433 | $2,045-29.9% | $3,166-54.7% | $3,203-55.3% |
| Admin fee / account holder | $9,831 | $2,884+240.9% | $5,666+73.5% | $4,296+128.8% |