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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 | $70,893 | $65,246+8.7% | $98,716-28.2% | $67,986+4.3% |
| Participation rate | 36.2% | 51.4%-15.3pp | 69.3%-33.1pp | 57.2%-21.0pp |
| Annual return | 14.28% | 20.58%-6.3pp | 31.81%-17.5pp | 31.67%-17.4pp |
| Employer contribution / active EE | $382 | $1,042-63.3% | $2,279-83.2% | $2,019-81.1% |
| Participant deferral / active EE | $1,651 | $2,594-36.4% | $4,048-59.2% | $3,358-50.8% |
| Admin fee / account holder | $878 | $4,561-80.8% | $8,703-89.9% | $3,203-72.6% |