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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 | $24,779 | $35,183-29.6% | $73,550-66.3% | $70,126-64.7% |
| Participation rate | 39.5% | 42.9%-3.4pp | 54.9%-15.4pp | 69.5%-30.0pp |
| Annual return | 14.51% | 26.90%-12.4pp | -15.16%+29.7pp | 73.15%-58.6pp |
| Employer contribution / active EE | $408 | $709-42.4% | $1,219-66.5% | $2,343-82.6% |
| Participant deferral / active EE | $1,249 | $1,220+2.4% | $1,804-30.8% | $3,332-62.5% |
| Admin fee / account holder | $11,624 | $2,302+404.9% | $2,320+401.1% | $4,645+150.2% |