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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 | $62,086-24.7% | $90,259-48.2% | $64,340-27.4% |
| Participation rate | 21.4% | 53.9%-32.5pp | 70.7%-49.4pp | 55.2%-33.9pp |
| Annual return | 14.23% | 16.73%-2.5pp | 18.88%-4.6pp | 24.14%-9.9pp |
| Employer contribution / active EE | $455 | $1,883-75.8% | $2,291-80.2% | $1,862-75.6% |
| Participant deferral / active EE | $1,039 | $2,557-59.4% | $3,827-72.8% | $2,980-65.1% |
| Admin fee / account holder | $12,283 | $3,317+270.3% | $7,267+69.0% | $3,703+231.8% |