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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 | $44,837 | $72,177-37.9% | $115,038-61.0% | $59,633-24.8% |
| Participation rate | 24.0% | 72.6%-48.6pp | 81.4%-57.4pp | 68.7%-44.7pp |
| Annual return | 0.55% | 12.02%-11.5pp | 26.14%-25.6pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $800 | $2,841-71.8% | $4,608-82.6% | $2,203-63.7% |
| Participant deferral / active EE | $3,168 | $4,783-33.8% | $6,026-47.4% | $3,192-0.8% |
| Admin fee / account holder | $17,685 | $4,927+258.9% | $8,175+116.3% | $4,297+311.6% |