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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 | $51,343 | $78,690-34.8% | $161,489-68.2% | $87,485-41.3% |
| Participation rate | 27.2% | 67.5%-40.3pp | 78.7%-51.5pp | 68.9%-41.8pp |
| Annual return | 14.01% | 32.74%-18.7pp | 89.72%-75.7pp | 26.06%-12.0pp |
| Employer contribution / active EE | $594 | $2,588-77.1% | $4,268-86.1% | $2,596-77.1% |
| Participant deferral / active EE | $2,783 | $3,311-15.9% | $5,630-50.6% | $4,274-34.9% |
| Admin fee / account holder | $23,292 | $6,724+246.4% | $16,006+45.5% | $7,775+199.6% |