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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 | $40,137 | $51,092-21.4% | $76,735-47.7% | $79,634-49.6% |
| Participation rate | 23.3% | 50.2%-26.9pp | 69.5%-46.2pp | 62.5%-39.2pp |
| Annual return | 13.30% | 18.04%-4.7pp | 29.77%-16.5pp | 36.46%-23.2pp |
| Employer contribution / active EE | $545 | $1,519-64.1% | $2,454-77.8% | $2,529-78.5% |
| Participant deferral / active EE | $638 | $2,529-74.8% | $4,088-84.4% | $3,835-83.4% |
| Admin fee / account holder | $2,733 | $1,865+46.5% | $7,189-62.0% | $1,002+172.8% |