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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 | $48,783 | $44,984+8.4% | $85,009-42.6% | $74,546-34.6% |
| Participation rate | 21.4% | 49.4%-28.0pp | 67.5%-46.1pp | 67.2%-45.8pp |
| Annual return | 12.22% | 26.25%-14.0pp | 66.47%-54.3pp | 1366.03%-1353.8pp |
| Employer contribution / active EE | $664 | $1,458-54.5% | $2,728-75.7% | $2,624-74.7% |
| Participant deferral / active EE | $1,703 | $2,733-37.7% | $4,522-62.3% | $4,347-60.8% |
| Admin fee / account holder | $12,347 | $2,208+459.2% | $6,153+100.7% | $1,944+535.3% |