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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 | $42,980 | $51,202-16.1% | $70,548-39.1% | $75,181-42.8% |
| Participation rate | 45.3% | 61.0%-15.6pp | 68.3%-23.0pp | 67.2%-21.9pp |
| Annual return | 14.98% | 30.05%-15.1pp | 32.78%-17.8pp | 160.69%-145.7pp |
| Employer contribution / active EE | $1,222 | $1,827-33.1% | $2,975-58.9% | $2,671-54.2% |
| Participant deferral / active EE | $2,034 | $2,850-28.6% | $4,567-55.5% | $4,126-50.7% |
| Admin fee / account holder | $17,223 | $4,094+320.7% | $6,424+168.1% | $5,650+204.8% |