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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 | $80,449 | $54,541+47.5% | $78,778+2.1% | $70,126+14.7% |
| Participation rate | 21.8% | 60.8%-39.0pp | 69.2%-47.4pp | 69.5%-47.7pp |
| Annual return | 14.18% | 21.07%-6.9pp | 35.62%-21.4pp | 73.15%-59.0pp |
| Employer contribution / active EE | $342 | $1,089-68.6% | $1,986-82.8% | $2,343-85.4% |
| Participant deferral / active EE | $1,089 | $2,210-50.7% | $2,958-63.2% | $3,332-67.3% |
| Admin fee / account holder | $7,220 | $3,709+94.7% | $5,134+40.6% | $4,645+55.4% |