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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 | $16,138 | $49,249-67.2% | $70,476-77.1% | $79,852-79.8% |
| Participation rate | 15.7% | 69.2%-53.5pp | 75.1%-59.4pp | 69.6%-54.0pp |
| Annual return | 10.32% | 30.09%-19.8pp | 109.12%-98.8pp | 31.72%-21.4pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $904 | $2,769-67.4% | $3,710-75.6% | $3,740-75.8% |
| Admin fee / account holder | $12,046 | $2,878+318.6% | $3,847+213.1% | $5,306+127.0% |