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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 | $43,354 | $50,554-14.2% | $67,681-35.9% | $87,485-50.4% |
| Participation rate | 21.4% | 67.7%-46.3pp | 73.7%-52.3pp | 68.9%-47.5pp |
| Annual return | 18.46% | 17.81%+0.6pp | 590.58%-572.1pp | 26.06%-7.6pp |
| Employer contribution / active EE | $543 | $1,988-72.7% | $2,678-79.7% | $2,596-79.1% |
| Participant deferral / active EE | $1,157 | $2,961-60.9% | $3,976-70.9% | $4,274-72.9% |
| Admin fee / account holder | $10,914 | $4,132+164.1% | $6,100+78.9% | $7,775+40.4% |