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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 | $28,103 | $88,360-68.2% | $145,433-80.7% | $67,986-58.7% |
| Participation rate | 38.2% | 65.5%-27.3pp | 82.1%-43.9pp | 57.2%-19.0pp |
| Annual return | 16.52% | 63.15%-46.6pp | 66.58%-50.1pp | 31.67%-15.1pp |
| Employer contribution / active EE | $1,357 | $3,054-55.6% | $4,554-70.2% | $2,019-32.8% |
| Participant deferral / active EE | $2,409 | $5,932-59.4% | $7,897-69.5% | $3,358-28.3% |
| Admin fee / account holder | $6,184 | $3,313+86.7% | $13,129-52.9% | $3,203+93.1% |