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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 | $50,681 | $65,961-23.2% | $180,320-71.9% | $94,015-46.1% |
| Participation rate | 34.5% | 61.3%-26.8pp | 71.5%-37.1pp | 70.8%-36.3pp |
| Annual return | 17.44% | 14.27%+3.2pp | 778.54%-761.1pp | 17.84%-0.4pp |
| Employer contribution / active EE | $558 | $1,737-67.9% | $4,108-86.4% | $2,790-80.0% |
| Participant deferral / active EE | $2,710 | $3,003-9.8% | $4,304-37.0% | $4,249-36.2% |
| Admin fee / account holder | $1,122 | $4,901-77.1% | $10,000-88.8% | $8,951-87.5% |