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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 | $36,257 | $55,902-35.1% | $76,030-52.3% | $80,959-55.2% |
| Participation rate | 39.4% | 62.1%-22.7pp | 69.1%-29.7pp | 67.7%-28.3pp |
| Annual return | 14.80% | 20.59%-5.8pp | 361.54%-346.7pp | 35.67%-20.9pp |
| Employer contribution / active EE | $651 | $1,867-65.1% | $2,688-75.8% | $2,757-76.4% |
| Participant deferral / active EE | $2,155 | $3,051-29.3% | $4,257-49.4% | $4,300-49.9% |
| Admin fee / account holder | $7,823 | $5,239+49.3% | $6,421+21.8% | $6,925+13.0% |