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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 | $16,327 | $59,804-72.7% | $81,982-80.1% | $79,856-79.6% |
| Participation rate | 50.0% | 61.6%-11.6pp | 69.3%-19.3pp | 69.6%-19.6pp |
| Annual return | 12.45% | 17.56%-5.1pp | 41.31%-28.9pp | 31.71%-19.3pp |
| Employer contribution / active EE | $321 | $1,713-81.3% | $2,498-87.2% | $2,471-87.0% |
| Participant deferral / active EE | $2,142 | $2,695-20.5% | $3,722-42.5% | $3,741-42.7% |
| Admin fee / account holder | $17,080 | $4,288+298.3% | $5,665+201.5% | $5,306+221.9% |