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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 | $29,093 | $77,638-62.5% | $156,551-81.4% | $62,881-53.7% |
| Participation rate | 34.0% | 71.2%-37.2pp | 84.0%-50.0pp | 69.3%-35.3pp |
| Annual return | 6.03% | 50.33%-44.3pp | 32.23%-26.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $555 | $3,444-83.9% | $5,501-89.9% | $2,281-75.7% |
| Participant deferral / active EE | $1,273 | $3,046-58.2% | $4,871-73.9% | $3,203-60.3% |
| Admin fee / account holder | $8,210 | $5,561+47.6% | $13,028-37.0% | $4,296+91.1% |