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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 | $38,848 | $76,407-49.2% | $150,298-74.2% | $82,448-52.9% |
| Participation rate | 27.3% | 66.4%-39.1pp | 77.8%-50.5pp | 68.1%-40.8pp |
| Annual return | 16.02% | 39.99%-24.0pp | 62.79%-46.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $600 | $2,614-77.1% | $4,154-85.6% | $2,551-76.5% |
| Participant deferral / active EE | $1,709 | $3,214-46.8% | $5,453-68.7% | $4,139-58.7% |
| Admin fee / account holder | $13,772 | $6,352+116.8% | $14,116-2.4% | $7,234+90.4% |