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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 | $58,467 | $41,016+42.5% | $152,093-61.6% | $64,097-8.8% |
| Participation rate | 22.1% | 51.3%-29.2pp | 77.8%-55.6pp | 55.2%-33.1pp |
| Annual return | 15.80% | 39.60%-23.8pp | 66.36%-50.6pp | 34.64%-18.8pp |
| Employer contribution / active EE | $742 | $1,342-44.7% | $4,175-82.2% | $1,891-60.8% |
| Participant deferral / active EE | $971 | $1,927-49.6% | $5,451-82.2% | $3,080-68.5% |
| Admin fee / account holder | $1,279 | $2,305-44.5% | $14,497-91.2% | $3,454-63.0% |