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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 | $30,387 | $65,027-53.3% | $90,970-66.6% | $79,852-61.9% |
| Participation rate | 59.0% | 61.6%-2.6pp | 69.0%-10.0pp | 69.6%-10.7pp |
| Annual return | 10.50% | 30.45%-19.9pp | 134.58%-124.1pp | 31.72%-21.2pp |
| Employer contribution / active EE | $900 | $1,247-27.8% | $2,122-57.6% | $2,471-63.6% |
| Participant deferral / active EE | $1,988 | $2,512-20.8% | $3,373-41.1% | $3,740-46.8% |
| Admin fee / account holder | $12,013 | $4,535+164.9% | $5,960+101.5% | $5,306+126.4% |