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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 | $46,123 | $60,349-23.6% | $74,184-37.8% | $62,881-26.6% |
| Participation rate | 29.8% | 72.7%-42.9pp | 76.6%-46.8pp | 69.3%-39.5pp |
| Annual return | 8.87% | 21.38%-12.5pp | 17.74%-8.9pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,029 | $1,680-38.8% | $2,370-56.6% | $2,281-54.9% |
| Participant deferral / active EE | $1,649 | $2,856-42.3% | $3,550-53.6% | $3,203-48.5% |
| Admin fee / account holder | $22,438 | $4,261+426.6% | $5,586+301.7% | $4,296+422.3% |