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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 | $30,245 | $76,407-60.4% | $150,298-79.9% | $82,448-63.3% |
| Participation rate | 44.4% | 66.4%-22.0pp | 77.8%-33.3pp | 68.1%-23.6pp |
| Annual return | 17.92% | 39.99%-22.1pp | 62.79%-44.9pp | 41.64%-23.7pp |
| Employer contribution / active EE | $769 | $2,614-70.6% | $4,154-81.5% | $2,551-69.9% |
| Participant deferral / active EE | $2,164 | $3,214-32.7% | $5,453-60.3% | $4,139-47.7% |
| Admin fee / account holder | $18,390 | $6,352+189.5% | $14,116+30.3% | $7,234+154.2% |