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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 | $56,113 | $78,027-28.1% | $178,528-68.6% | $80,925-30.7% |
| Participation rate | 46.4% | 65.7%-19.3pp | 77.1%-30.7pp | 67.7%-21.3pp |
| Annual return | 11.82% | 18.09%-6.3pp | 27.11%-15.3pp | 35.65%-23.8pp |
| Employer contribution / active EE | $790 | $2,281-65.4% | $3,950-80.0% | $2,756-71.3% |
| Participant deferral / active EE | $5,854 | $4,408+32.8% | $6,278-6.8% | $4,299+36.2% |
| Admin fee / account holder | $20,241 | $7,168+182.4% | $10,419+94.3% | $6,940+191.6% |