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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 | $36,856 | $84,236-56.2% | $170,435-78.4% | $70,126-47.4% |
| Participation rate | 44.4% | 70.8%-26.4pp | 83.6%-39.2pp | 69.5%-25.1pp |
| Annual return | 12.21% | 23.06%-10.8pp | 205.94%-193.7pp | 73.15%-60.9pp |
| Employer contribution / active EE | $696 | $3,387-79.5% | $5,432-87.2% | $2,343-70.3% |
| Participant deferral / active EE | $1,101 | $3,086-64.3% | $4,939-77.7% | $3,332-67.0% |
| Admin fee / account holder | $9,338 | $5,698+63.9% | $13,881-32.7% | $4,645+101.0% |