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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 | $33,382 | $52,580-36.5% | $71,671-53.4% | $70,126-52.4% |
| Participation rate | 38.5% | 60.9%-22.4pp | 68.7%-30.3pp | 69.5%-31.1pp |
| Annual return | 0.00% | 20.25%-20.3pp | 20.65%-20.6pp | 73.15%-73.1pp |
| Employer contribution / active EE | $714 | $1,616-55.8% | $2,460-71.0% | $2,343-69.5% |
| Participant deferral / active EE | $1,035 | $2,386-56.6% | $3,438-69.9% | $3,332-68.9% |
| Admin fee / account holder | $2,403 | $3,653-34.2% | $5,558-56.8% | $4,645-48.3% |