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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 | $38,313 | $48,364-20.8% | $71,796-46.6% | $62,881-39.1% |
| Participation rate | 52.2% | 60.6%-8.4pp | 69.1%-16.9pp | 69.3%-17.1pp |
| Annual return | 5.17% | 13.16%-8.0pp | 78.04%-72.9pp | 20.14%-15.0pp |
| Employer contribution / active EE | $349 | $1,042-66.5% | $1,924-81.9% | $2,281-84.7% |
| Participant deferral / active EE | $1,651 | $2,091-21.0% | $2,794-40.9% | $3,203-48.4% |
| Admin fee / account holder | $8,578 | $3,771+127.5% | $4,815+78.2% | $4,296+99.7% |