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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 | $28,881 | $37,156-22.3% | $83,854-65.6% | $86,983-66.8% |
| Participation rate | 49.3% | 49.1%+0.2pp | 59.1%-9.8pp | 69.5%-20.3pp |
| Annual return | 15.07% | 29.88%-14.8pp | 31.39%-16.3pp | 25.83%-10.8pp |
| Employer contribution / active EE | $161 | $661-75.7% | $1,017-84.2% | $2,584-93.8% |
| Participant deferral / active EE | $837 | $1,418-41.0% | $2,035-58.9% | $4,194-80.0% |
| Admin fee / account holder | $4,104 | $2,510+63.5% | $3,197+28.4% | $7,856-47.8% |