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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 | $35,465 | $76,407-53.6% | $150,298-76.4% | $82,448-57.0% |
| Participation rate | 23.1% | 66.4%-43.3pp | 77.8%-54.7pp | 68.1%-45.0pp |
| Annual return | 13.80% | 39.99%-26.2pp | 62.79%-49.0pp | 41.64%-27.8pp |
| Employer contribution / active EE | $486 | $2,614-81.4% | $4,154-88.3% | $2,551-81.0% |
| Participant deferral / active EE | $1,248 | $3,214-61.2% | $5,453-77.1% | $4,139-69.8% |
| Admin fee / account holder | $11,084 | $6,352+74.5% | $14,116-21.5% | $7,234+53.2% |