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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 | $16,931 | $45,050-62.4% | $63,018-73.1% | $70,126-75.9% |
| Participation rate | 36.0% | 69.5%-33.5pp | 74.8%-38.8pp | 69.5%-33.5pp |
| Annual return | 11.98% | 18.76%-6.8pp | 87.62%-75.6pp | 73.15%-61.2pp |
| Employer contribution / active EE | $882 | $2,052-57.0% | $2,761-68.1% | $2,343-62.4% |
| Participant deferral / active EE | $1,851 | $2,466-24.9% | $3,330-44.4% | $3,332-44.5% |
| Admin fee / account holder | $22,811 | $2,834+704.9% | $3,601+533.5% | $4,645+391.0% |