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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 | $32,276 | $67,602-52.3% | $82,312-60.8% | $70,126-54.0% |
| Participation rate | 48.6% | 72.8%-24.1pp | 76.9%-28.2pp | 69.5%-20.9pp |
| Annual return | 13.07% | 21.57%-8.5pp | 25.88%-12.8pp | 73.15%-60.1pp |
| Employer contribution / active EE | $982 | $1,755-44.0% | $2,428-59.5% | $2,343-58.1% |
| Participant deferral / active EE | $2,308 | $2,987-22.7% | $3,706-37.7% | $3,332-30.7% |
| Admin fee / account holder | $18,696 | $4,512+314.4% | $5,608+233.4% | $4,645+302.5% |