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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 | $22,753 | $85,060-73.3% | $70,565-67.8% | $139,487-83.7% |
| Participation rate | 37.5% | 73.9%-36.4pp | 68.4%-30.9pp | 80.3%-42.8pp |
| Annual return | 12.18% | 30.39%-18.2pp | 32.79%-20.6pp | 373.84%-361.7pp |
| Employer contribution / active EE | $967 | $3,912-75.3% | $2,976-67.5% | $4,755-79.7% |
| Participant deferral / active EE | $1,287 | $5,891-78.2% | $4,568-71.8% | $6,713-80.8% |
| Admin fee / account holder | $82,883 | $8,932+827.9% | $6,430+1189.0% | $11,407+626.6% |