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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 | $37,013 | $78,690-53.0% | $161,489-77.1% | $87,485-57.7% |
| Participation rate | 30.5% | 67.5%-37.0pp | 78.7%-48.2pp | 68.9%-38.4pp |
| Annual return | 32.13% | 32.74%-0.6pp | 89.72%-57.6pp | 26.06%+6.1pp |
| Employer contribution / active EE | $462 | $2,588-82.2% | $4,268-89.2% | $2,596-82.2% |
| Participant deferral / active EE | $1,077 | $3,311-67.5% | $5,630-80.9% | $4,274-74.8% |
| Admin fee / account holder | $21,359 | $6,724+217.7% | $16,006+33.4% | $7,775+174.7% |