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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 | $35,500 | $101,752-65.1% | $164,928-78.5% | $80,911-56.1% |
| Participation rate | 30.2% | 71.8%-41.6pp | 78.6%-48.4pp | 67.6%-37.4pp |
| Annual return | 15.42% | 16.73%-1.3pp | 70.08%-54.7pp | 35.63%-20.2pp |
| Employer contribution / active EE | $946 | $2,953-68.0% | $4,343-78.2% | $2,756-65.7% |
| Participant deferral / active EE | $2,235 | $4,477-50.1% | $6,034-63.0% | $4,297-48.0% |
| Admin fee / account holder | $11,855 | $8,218+44.3% | $12,684-6.5% | $6,935+71.0% |