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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 | $45,867 | $55,902-18.0% | $76,030-39.7% | $80,959-43.3% |
| Participation rate | 26.5% | 62.1%-35.5pp | 69.1%-42.5pp | 67.7%-41.1pp |
| Annual return | 11.26% | 20.59%-9.3pp | 361.54%-350.3pp | 35.67%-24.4pp |
| Employer contribution / active EE | $829 | $1,867-55.6% | $2,688-69.2% | $2,757-69.9% |
| Participant deferral / active EE | $1,540 | $3,051-49.5% | $4,257-63.8% | $4,300-64.2% |
| Admin fee / account holder | $9,706 | $5,239+85.3% | $6,421+51.2% | $6,925+40.2% |