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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 | $33,123 | $45,343-27.0% | $150,298-78.0% | $67,986-51.3% |
| Participation rate | 20.5% | 51.9%-31.3pp | 77.8%-57.2pp | 57.2%-36.7pp |
| Annual return | 16.72% | 33.28%-16.6pp | 62.79%-46.1pp | 31.67%-14.9pp |
| Employer contribution / active EE | $672 | $1,462-54.0% | $4,154-83.8% | $2,019-66.7% |
| Participant deferral / active EE | $980 | $2,055-52.3% | $5,453-82.0% | $3,358-70.8% |
| Admin fee / account holder | $9,910 | $2,250+340.5% | $14,116-29.8% | $3,203+209.4% |