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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 | $30,397 | $45,626-33.4% | $94,105-67.7% | $64,097-52.6% |
| Participation rate | 26.5% | 48.0%-21.5pp | 71.9%-45.4pp | 55.2%-28.6pp |
| Annual return | 21.82% | 28.23%-6.4pp | 204.55%-182.7pp | 34.64%-12.8pp |
| Employer contribution / active EE | $463 | $1,171-60.4% | $2,504-81.5% | $1,891-75.5% |
| Participant deferral / active EE | $1,185 | $2,128-44.3% | $3,881-69.5% | $3,080-61.5% |
| Admin fee / account holder | $16,043 | $2,872+458.5% | $6,199+158.8% | $3,454+364.4% |