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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 | $51,747 | $59,231-12.6% | $90,223-42.6% | $52,331-1.1% |
| Participation rate | 40.2% | 75.0%-34.8pp | 79.0%-38.9pp | 68.1%-27.9pp |
| Annual return | 10.13% | 3.53%+6.6pp | 1.31%+8.8pp | 4.54%+5.6pp |
| Employer contribution / active EE | $1,157 | $3,391-65.9% | $4,378-73.6% | $1,882-38.5% |
| Participant deferral / active EE | $2,904 | $4,659-37.7% | $5,792-49.9% | $3,022-3.9% |
| Admin fee / account holder | $20,652 | $515+3913.1% | $7,406+178.9% | $592+3390.9% |