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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 | $45,171 | $86,949-48.0% | $102,460-55.9% | $80,959-44.2% |
| Participation rate | 14.7% | 72.4%-57.7pp | 76.5%-61.8pp | 67.7%-53.0pp |
| Annual return | 23.32% | 18.89%+4.4pp | 29.47%-6.1pp | 35.67%-12.3pp |
| Employer contribution / active EE | $853 | $2,370-64.0% | $3,025-71.8% | $2,757-69.1% |
| Participant deferral / active EE | $2,022 | $4,121-50.9% | $5,056-60.0% | $4,300-53.0% |
| Admin fee / account holder | $53,474 | $8,048+564.5% | $9,460+465.3% | $6,925+672.1% |