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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 | $13,343 | $45,050-70.4% | $63,018-78.8% | $70,126-81.0% |
| Participation rate | 34.7% | 69.5%-34.8pp | 74.8%-40.1pp | 69.5%-34.8pp |
| Annual return | 14.61% | 18.76%-4.2pp | 87.62%-73.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $610 | $2,052-70.3% | $2,761-77.9% | $2,343-74.0% |
| Participant deferral / active EE | $1,595 | $2,466-35.3% | $3,330-52.1% | $3,332-52.1% |
| Admin fee / account holder | $5,146 | $2,834+81.6% | $3,601+42.9% | $4,645+10.8% |