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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 | $39,268 | $86,940-54.8% | $102,434-61.7% | $80,935-51.5% |
| Participation rate | 52.9% | 72.4%-19.5pp | 76.5%-23.6pp | 67.7%-14.8pp |
| Annual return | 16.63% | 18.89%-2.3pp | 29.46%-12.8pp | 35.66%-19.0pp |
| Employer contribution / active EE | $1,585 | $2,370-33.1% | $3,023-47.6% | $2,757-42.5% |
| Participant deferral / active EE | $3,957 | $4,121-4.0% | $5,055-21.7% | $4,299-8.0% |
| Admin fee / account holder | $18,751 | $8,047+133.0% | $9,462+98.2% | $6,924+170.8% |