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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 | $81,446-50.4% | $103,374-60.9% | $80,874-50.0% |
| Participation rate | 28.3% | 66.9%-38.6pp | 74.5%-46.2pp | 67.6%-39.4pp |
| Annual return | 11.72% | 25.57%-13.8pp | 24.89%-13.2pp | 35.62%-23.9pp |
| Employer contribution / active EE | $897 | $3,107-71.1% | $3,869-76.8% | $2,756-67.4% |
| Participant deferral / active EE | $2,620 | $3,870-32.3% | $5,058-48.2% | $4,297-39.0% |
| Admin fee / account holder | $26,501 | $6,715+294.7% | $8,394+215.7% | $6,935+282.1% |