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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 | $61,626 | $58,099+6.1% | $76,902-19.9% | $75,177-18.0% |
| Participation rate | 46.5% | 63.9%-17.4pp | 69.6%-23.1pp | 67.2%-20.7pp |
| Annual return | 15.92% | 26.71%-10.8pp | 37.91%-22.0pp | 160.75%-144.8pp |
| Employer contribution / active EE | $571 | $1,996-71.4% | $2,534-77.5% | $2,671-78.6% |
| Participant deferral / active EE | $1,121 | $2,999-62.6% | $3,833-70.8% | $4,126-72.8% |
| Admin fee / account holder | $2,526 | $4,778-47.1% | $5,479-53.9% | $5,651-55.3% |