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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 | $101,795-65.1% | $165,100-78.5% | $80,959-56.2% |
| Participation rate | 30.2% | 71.8%-41.6pp | 78.6%-48.4pp | 67.7%-37.4pp |
| Annual return | 15.42% | 16.73%-1.3pp | 70.21%-54.8pp | 35.67%-20.2pp |
| Employer contribution / active EE | $946 | $2,954-68.0% | $4,348-78.2% | $2,757-65.7% |
| Participant deferral / active EE | $2,235 | $4,476-50.1% | $6,035-63.0% | $4,300-48.0% |
| Admin fee / account holder | $11,855 | $8,221+44.2% | $12,696-6.6% | $6,925+71.2% |