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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 | $39,101 | $25,014+56.3% | $69,632-43.8% | $80,959-51.7% |
| Participation rate | 29.5% | 64.2%-34.7pp | 66.4%-36.9pp | 67.7%-38.1pp |
| Annual return | 16.28% | 19.08%-2.8pp | 101.32%-85.0pp | 35.67%-19.4pp |
| Employer contribution / active EE | $726 | $991-26.7% | $1,708-57.5% | $2,757-73.7% |
| Participant deferral / active EE | $1,207 | $1,840-34.4% | $2,889-58.2% | $4,300-71.9% |
| Admin fee / account holder | $31,967 | $2,491+1183.4% | $4,695+580.8% | $6,925+361.6% |