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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 | $58,458 | $57,541+1.6% | $95,740-38.9% | $75,173-22.2% |
| Participation rate | 30.3% | 62.5%-32.2pp | 72.3%-42.0pp | 67.2%-36.9pp |
| Annual return | 21.08% | 34.93%-13.9pp | 28.41%-7.3pp | 160.72%-139.6pp |
| Employer contribution / active EE | $349 | $1,808-80.7% | $2,836-87.7% | $2,671-86.9% |
| Participant deferral / active EE | $1,453 | $3,074-52.7% | $4,244-65.8% | $4,126-64.8% |
| Admin fee / account holder | $1,134 | $4,099-72.3% | $5,676-80.0% | $5,651-79.9% |