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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 | $78,013-42.2% | $178,449-74.7% | $80,911-44.3% |
| Participation rate | 22.9% | 65.7%-42.8pp | 77.1%-54.2pp | 67.6%-44.7pp |
| Annual return | 14.22% | 18.07%-3.8pp | 27.09%-12.9pp | 35.63%-21.4pp |
| Employer contribution / active EE | $828 | $2,287-63.8% | $3,951-79.0% | $2,756-69.9% |
| Participant deferral / active EE | $1,851 | $4,408-58.0% | $6,277-70.5% | $4,297-56.9% |
| Admin fee / account holder | $18,257 | $7,166+154.8% | $10,362+76.2% | $6,935+163.3% |