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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 | $33,512 | $76,551-56.2% | $123,894-73.0% | $62,881-46.7% |
| Participation rate | 40.0% | 73.0%-33.0pp | 81.4%-41.4pp | 69.3%-29.3pp |
| Annual return | 7.43% | 18.68%-11.2pp | 47.52%-40.1pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,412 | $2,882-51.0% | $4,617-69.4% | $2,281-38.1% |
| Participant deferral / active EE | $2,848 | $4,840-41.2% | $5,984-52.4% | $3,203-11.1% |
| Admin fee / account holder | $22,553 | $4,826+367.4% | $8,357+169.9% | $4,296+425.0% |