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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 | $80,589 | $63,809+26.3% | $81,353-0.9% | $80,935-0.4% |
| Participation rate | 20.3% | 63.9%-43.6pp | 69.5%-49.2pp | 67.7%-47.3pp |
| Annual return | 14.27% | 16.37%-2.1pp | 24.82%-10.5pp | 35.66%-21.4pp |
| Employer contribution / active EE | $473 | $1,981-76.1% | $2,464-80.8% | $2,757-82.8% |
| Participant deferral / active EE | $1,861 | $3,093-39.8% | $3,885-52.1% | $4,299-56.7% |
| Admin fee / account holder | $966 | $5,686-83.0% | $5,766-83.3% | $6,924-86.1% |