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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 | $22,677 | $48,118-52.9% | $136,833-83.4% | $94,015-75.9% |
| Participation rate | 32.9% | 47.4%-14.5pp | 59.0%-26.1pp | 70.8%-37.9pp |
| Annual return | 15.98% | 14.65%+1.3pp | 35.32%-19.3pp | 17.84%-1.9pp |
| Employer contribution / active EE | $801 | $821-2.4% | $1,319-39.3% | $2,790-71.3% |
| Participant deferral / active EE | $1,463 | $1,651-11.4% | $2,441-40.1% | $4,249-65.6% |
| Admin fee / account holder | $10,028 | $3,059+227.8% | $4,706+113.1% | $8,951+12.0% |