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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 | $17,522 | $52,580-66.7% | $71,671-75.6% | $70,126-75.0% |
| Participation rate | 28.9% | 60.9%-32.0pp | 68.7%-39.9pp | 69.5%-40.7pp |
| Annual return | 12.23% | 20.25%-8.0pp | 20.65%-8.4pp | 73.15%-60.9pp |
| Employer contribution / active EE | $635 | $1,616-60.7% | $2,460-74.2% | $2,343-72.9% |
| Participant deferral / active EE | $1,141 | $2,386-52.2% | $3,438-66.8% | $3,332-65.8% |
| Admin fee / account holder | $16,687 | $3,653+356.8% | $5,558+200.2% | $4,645+259.2% |