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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 | $32,723 | $65,378-49.9% | $87,103-62.4% | $65,186-49.8% |
| Participation rate | 57.0% | 75.3%-18.3pp | 76.9%-19.9pp | 70.2%-13.2pp |
| Annual return | 18.42% | 31.28%-12.9pp | 28.19%-9.8pp | 29.39%-11.0pp |
| Employer contribution / active EE | $998 | $1,823-45.2% | $2,521-60.4% | $2,177-54.1% |
| Participant deferral / active EE | $2,189 | $3,389-35.4% | $4,049-45.9% | $3,514-37.7% |
| Admin fee / account holder | $5,438 | $520+946.1% | $7,491-27.4% | $847+541.9% |