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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 | $64,053 | $58,493+9.5% | $84,021-23.8% | $72,975-12.2% |
| Participation rate | 22.5% | 61.2%-38.7pp | 69.0%-46.5pp | 69.5%-47.0pp |
| Annual return | 21.95% | 28.93%-7.0pp | 71.32%-49.4pp | 81.01%-59.1pp |
| Employer contribution / active EE | $525 | $1,163-54.9% | $1,984-73.5% | $2,440-78.5% |
| Participant deferral / active EE | $1,243 | $2,394-48.1% | $3,239-61.6% | $3,608-65.5% |
| Admin fee / account holder | $449 | $4,569-90.2% | $6,102-92.6% | $5,124-91.2% |