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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 | $58,178 | $48,364+20.3% | $71,796-19.0% | $62,881-7.5% |
| Participation rate | 28.8% | 60.6%-31.9pp | 69.1%-40.3pp | 69.3%-40.5pp |
| Annual return | 5.50% | 13.16%-7.7pp | 78.04%-72.5pp | 20.14%-14.6pp |
| Employer contribution / active EE | $421 | $1,042-59.5% | $1,924-78.1% | $2,281-81.5% |
| Participant deferral / active EE | $1,457 | $2,091-30.3% | $2,794-47.9% | $3,203-54.5% |
| Admin fee / account holder | $579 | $3,771-84.7% | $4,815-88.0% | $4,296-86.5% |