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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 | $40,410 | $81,504-50.4% | $102,437-60.6% | $80,959-50.1% |
| Participation rate | 28.3% | 66.9%-38.6pp | 74.5%-46.2pp | 67.7%-39.4pp |
| Annual return | 11.72% | 25.60%-13.9pp | 24.95%-13.2pp | 35.67%-23.9pp |
| Employer contribution / active EE | $897 | $3,104-71.1% | $3,871-76.8% | $2,757-67.5% |
| Participant deferral / active EE | $2,620 | $3,871-32.3% | $5,060-48.2% | $4,300-39.1% |
| Admin fee / account holder | $26,501 | $6,719+294.4% | $8,388+215.9% | $6,925+282.7% |