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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 | $58,765 | $89,241-34.2% | $134,172-56.2% | $79,634-26.2% |
| Participation rate | 11.6% | 47.1%-35.5pp | 72.5%-60.9pp | 62.5%-50.9pp |
| Annual return | 16.14% | 16.69%-0.6pp | 25.30%-9.2pp | 36.46%-20.3pp |
| Employer contribution / active EE | $455 | $1,634-72.2% | $3,420-86.7% | $2,529-82.0% |
| Participant deferral / active EE | $740 | $2,288-67.7% | $4,690-84.2% | $3,835-80.7% |
| Admin fee / account holder | $6,688 | $1,359+392.3% | $12,016-44.3% | $1,002+567.6% |