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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 | $38,598 | $78,690-50.9% | $161,489-76.1% | $87,485-55.9% |
| Participation rate | 43.8% | 67.5%-23.7pp | 78.7%-34.9pp | 68.9%-25.2pp |
| Annual return | 17.40% | 32.74%-15.3pp | 89.72%-72.3pp | 26.06%-8.7pp |
| Employer contribution / active EE | $996 | $2,588-61.5% | $4,268-76.7% | $2,596-61.6% |
| Participant deferral / active EE | $1,681 | $3,311-49.2% | $5,630-70.1% | $4,274-60.7% |
| Admin fee / account holder | $1,869 | $6,724-72.2% | $16,006-88.3% | $7,775-76.0% |