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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 | $44,910 | $65,961-31.9% | $180,320-75.1% | $94,015-52.2% |
| Participation rate | 50.7% | 61.3%-10.6pp | 71.5%-20.8pp | 70.8%-20.1pp |
| Annual return | 12.23% | 14.27%-2.0pp | 778.54%-766.3pp | 17.84%-5.6pp |
| Employer contribution / active EE | $408 | $1,737-76.5% | $4,108-90.1% | $2,790-85.4% |
| Participant deferral / active EE | $1,258 | $3,003-58.1% | $4,304-70.8% | $4,249-70.4% |
| Admin fee / account holder | $6,788 | $4,901+38.5% | $10,000-32.1% | $8,951-24.2% |