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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 | $33,376 | $57,073-41.5% | $85,126-60.8% | $80,925-58.8% |
| Participation rate | 21.7% | 56.4%-34.7pp | 67.5%-45.8pp | 67.7%-45.9pp |
| Annual return | 12.64% | 21.69%-9.1pp | 66.63%-54.0pp | 35.65%-23.0pp |
| Employer contribution / active EE | $494 | $1,801-72.6% | $2,731-81.9% | $2,756-82.1% |
| Participant deferral / active EE | $1,287 | $3,113-58.7% | $4,523-71.6% | $4,299-70.1% |
| Admin fee / account holder | $20,205 | $4,988+305.1% | $6,160+228.0% | $6,940+191.1% |