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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 | $29,310 | $58,099-49.6% | $76,902-61.9% | $75,177-61.0% |
| Participation rate | 18.4% | 63.9%-45.5pp | 69.6%-51.2pp | 67.2%-48.8pp |
| Annual return | 25.78% | 26.71%-0.9pp | 37.91%-12.1pp | 160.75%-135.0pp |
| Employer contribution / active EE | $701 | $1,996-64.8% | $2,534-72.3% | $2,671-73.7% |
| Participant deferral / active EE | $1,705 | $2,999-43.2% | $3,833-55.5% | $4,126-58.7% |
| Admin fee / account holder | $19,400 | $4,778+306.1% | $5,479+254.1% | $5,651+243.3% |