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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 | $64,010+10.8% | $108,359-34.6% | $64,340+10.2% |
| Participation rate | 36.2% | 49.4%-13.2pp | 70.1%-34.0pp | 55.2%-19.1pp |
| Annual return | 14.28% | 19.74%-5.5pp | 36.89%-22.6pp | 24.14%-9.9pp |
| Employer contribution / active EE | $382 | $1,029-62.8% | $2,399-84.1% | $1,862-79.5% |
| Participant deferral / active EE | $1,651 | $2,395-31.1% | $4,137-60.1% | $2,980-44.6% |
| Admin fee / account holder | $878 | $4,885-82.0% | $9,741-91.0% | $3,703-76.3% |