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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 | $20,038 | $58,057-65.5% | $97,032-79.3% | $86,983-77.0% |
| Participation rate | 36.0% | 60.4%-24.3pp | 71.6%-35.5pp | 69.5%-33.5pp |
| Annual return | 54.44% | 22.26%+32.2pp | 35.38%+19.1pp | 25.83%+28.6pp |
| Employer contribution / active EE | $114 | $1,663-93.2% | $2,629-95.7% | $2,584-95.6% |
| Participant deferral / active EE | $2,096 | $3,244-35.4% | $4,672-55.1% | $4,194-50.0% |
| Admin fee / account holder | $19,364 | $4,839+300.2% | $9,418+105.6% | $7,856+146.5% |