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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 | $36,640 | $88,707-58.7% | $74,184-50.6% | $273,972-86.6% |
| Participation rate | 65.0% | 79.4%-14.4pp | 76.6%-11.6pp | 83.0%-18.0pp |
| Annual return | 5.26% | 11.94%-6.7pp | 17.74%-12.5pp | 41.46%-36.2pp |
| Employer contribution / active EE | $1,132 | $3,159-64.2% | $2,370-52.3% | $4,869-76.8% |
| Participant deferral / active EE | $2,350 | $4,212-44.2% | $3,550-33.8% | $5,287-55.5% |
| Admin fee / account holder | $14,557 | $8,717+67.0% | $5,586+160.6% | $10,133+43.7% |