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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 | $11,835 | $45,343-73.9% | $150,298-92.1% | $67,986-82.6% |
| Participation rate | 33.1% | 51.9%-18.8pp | 77.8%-44.7pp | 57.2%-24.2pp |
| Annual return | 12.48% | 33.28%-20.8pp | 62.79%-50.3pp | 31.67%-19.2pp |
| Employer contribution / active EE | $816 | $1,462-44.2% | $4,154-80.3% | $2,019-59.6% |
| Participant deferral / active EE | $1,395 | $2,055-32.1% | $5,453-74.4% | $3,358-58.5% |
| Admin fee / account holder | $13,208 | $2,250+487.1% | $14,116-6.4% | $3,203+312.3% |