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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 | $76,407-32.8% | $150,298-65.8% | $82,448-37.7% |
| Participation rate | 27.2% | 66.4%-39.2pp | 77.8%-50.6pp | 68.1%-40.9pp |
| Annual return | 14.01% | 39.99%-26.0pp | 62.79%-48.8pp | 41.64%-27.6pp |
| Employer contribution / active EE | $594 | $2,614-77.3% | $4,154-85.7% | $2,551-76.7% |
| Participant deferral / active EE | $2,783 | $3,214-13.4% | $5,453-49.0% | $4,139-32.8% |
| Admin fee / account holder | $23,292 | $6,352+266.7% | $14,116+65.0% | $7,234+222.0% |