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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 | $38,119 | $52,580-27.5% | $71,671-46.8% | $70,126-45.6% |
| Participation rate | 48.0% | 60.9%-12.9pp | 68.7%-20.7pp | 69.5%-21.5pp |
| Annual return | 0.00% | 20.25%-20.3pp | 20.65%-20.6pp | 73.15%-73.1pp |
| Employer contribution / active EE | $811 | $1,616-49.8% | $2,460-67.0% | $2,343-65.4% |
| Participant deferral / active EE | $1,241 | $2,386-48.0% | $3,438-63.9% | $3,332-62.8% |
| Admin fee / account holder | $40,330 | $3,653+1004.1% | $5,558+625.6% | $4,645+768.1% |