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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 | $27,041 | $77,896-65.3% | $134,172-79.8% | $82,448-67.2% |
| Participation rate | 50.0% | 62.8%-12.8pp | 72.5%-22.5pp | 68.1%-18.1pp |
| Annual return | 13.58% | 18.21%-4.6pp | 25.30%-11.7pp | 41.64%-28.1pp |
| Employer contribution / active EE | $941 | $2,159-56.4% | $3,420-72.5% | $2,551-63.1% |
| Participant deferral / active EE | $2,163 | $3,162-31.6% | $4,690-53.9% | $4,139-47.7% |
| Admin fee / account holder | $13,054 | $6,336+106.0% | $12,016+8.6% | $7,234+80.4% |