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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 | $15,960 | $53,596-70.2% | $90,655-82.4% | $64,181-75.1% |
| Participation rate | 46.2% | 64.5%-18.4pp | 74.0%-27.9pp | 69.6%-23.4pp |
| Annual return | 11.81% | 4.41%+7.4pp | 1.89%+9.9pp | 7.63%+4.2pp |
| Employer contribution / active EE | $859 | $1,503-42.8% | $2,532-66.1% | $2,381-63.9% |
| Participant deferral / active EE | $1,007 | $2,459-59.0% | $3,425-70.6% | $3,470-71.0% |
| Admin fee / account holder | $15,384 | $3,868+297.7% | $4,994+208.0% | $4,887+214.8% |