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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 | $45,141 | $71,215-36.6% | $93,696-51.8% | $80,935-44.2% |
| Participation rate | 40.0% | 60.4%-20.4pp | 68.7%-28.7pp | 67.7%-27.7pp |
| Annual return | 10.59% | 11.27%-0.7pp | 133.74%-123.1pp | 35.66%-25.1pp |
| Employer contribution / active EE | $467 | $1,565-70.1% | $2,422-80.7% | $2,757-83.0% |
| Participant deferral / active EE | $2,053 | $4,037-49.2% | $4,417-53.5% | $4,299-52.3% |
| Admin fee / account holder | $11,191 | $6,958+60.8% | $8,287+35.0% | $6,924+61.6% |