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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 | $39,671 | $56,060-29.2% | $76,002-47.8% | $80,874-50.9% |
| Participation rate | 54.8% | 62.0%-7.3pp | 69.1%-14.3pp | 67.6%-12.9pp |
| Annual return | 10.80% | 20.54%-9.7pp | 360.07%-349.3pp | 35.62%-24.8pp |
| Employer contribution / active EE | $1,259 | $1,873-32.8% | $2,688-53.2% | $2,756-54.3% |
| Participant deferral / active EE | $1,877 | $3,051-38.5% | $4,257-55.9% | $4,297-56.3% |
| Admin fee / account holder | $25,775 | $5,237+392.1% | $6,414+301.9% | $6,935+271.7% |