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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 | $41,445 | $67,606-38.7% | $82,313-49.6% | $70,124-40.9% |
| Participation rate | 16.7% | 72.8%-56.1pp | 76.9%-60.2pp | 69.5%-52.9pp |
| Annual return | 13.42% | 21.57%-8.1pp | 25.88%-12.5pp | 73.14%-59.7pp |
| Employer contribution / active EE | $424 | $1,755-75.9% | $2,428-82.6% | $2,342-81.9% |
| Participant deferral / active EE | $1,864 | $2,987-37.6% | $3,706-49.7% | $3,332-44.0% |
| Admin fee / account holder | $14,304 | $4,512+217.0% | $5,608+155.1% | $4,645+207.9% |