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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 | $45,069 | $77,962-42.2% | $178,540-74.8% | $80,935-44.3% |
| Participation rate | 22.9% | 65.7%-42.7pp | 77.1%-54.2pp | 67.7%-44.7pp |
| Annual return | 14.22% | 18.10%-3.9pp | 27.15%-12.9pp | 35.66%-21.4pp |
| Employer contribution / active EE | $828 | $2,280-63.7% | $3,953-79.0% | $2,757-70.0% |
| Participant deferral / active EE | $1,851 | $4,404-58.0% | $6,281-70.5% | $4,299-56.9% |
| Admin fee / account holder | $18,257 | $7,156+155.1% | $10,424+75.1% | $6,924+163.7% |