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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 | $30,057 | $86,940-65.4% | $102,434-70.7% | $80,935-62.9% |
| Participation rate | 53.1% | 72.4%-19.3pp | 76.5%-23.4pp | 67.7%-14.5pp |
| Annual return | 11.24% | 18.89%-7.7pp | 29.46%-18.2pp | 35.66%-24.4pp |
| Employer contribution / active EE | $818 | $2,370-65.5% | $3,023-73.0% | $2,757-70.3% |
| Participant deferral / active EE | $2,823 | $4,121-31.5% | $5,055-44.1% | $4,299-34.3% |
| Admin fee / account holder | $16,732 | $8,047+107.9% | $9,462+76.8% | $6,924+141.6% |