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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 | $78,690-61.6% | $161,489-81.3% | $87,485-65.4% |
| Participation rate | 44.4% | 67.5%-23.0pp | 78.7%-34.3pp | 68.9%-24.5pp |
| Annual return | 17.92% | 32.74%-14.8pp | 89.72%-71.8pp | 26.06%-8.1pp |
| Employer contribution / active EE | $769 | $2,588-70.3% | $4,268-82.0% | $2,596-70.4% |
| Participant deferral / active EE | $2,164 | $3,311-34.6% | $5,630-61.6% | $4,274-49.4% |
| Admin fee / account holder | $18,390 | $6,724+173.5% | $16,006+14.9% | $7,775+136.5% |