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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 | $46,740 | $63,904-26.9% | $89,340-47.7% | $67,986-31.2% |
| Participation rate | 21.4% | 54.3%-33.0pp | 69.6%-48.2pp | 57.2%-35.8pp |
| Annual return | 14.23% | 18.09%-3.9pp | 20.57%-6.3pp | 31.67%-17.4pp |
| Employer contribution / active EE | $455 | $1,627-72.1% | $2,231-79.6% | $2,019-77.5% |
| Participant deferral / active EE | $1,039 | $2,691-61.4% | $3,823-72.8% | $3,358-69.0% |
| Admin fee / account holder | $12,283 | $3,315+270.6% | $6,704+83.2% | $3,203+283.5% |