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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 | $53,556 | $36,948+44.9% | $73,658-27.3% | $87,485-38.8% |
| Participation rate | 28.6% | 46.8%-18.2pp | 57.0%-28.5pp | 68.9%-40.4pp |
| Annual return | 16.01% | 28.64%-12.6pp | 29.72%-13.7pp | 26.06%-10.0pp |
| Employer contribution / active EE | $520 | $670-22.4% | $1,032-49.6% | $2,596-80.0% |
| Participant deferral / active EE | $1,649 | $1,379+19.5% | $2,062-20.0% | $4,274-61.4% |
| Admin fee / account holder | $754 | $2,531-70.2% | $3,357-77.5% | $7,775-90.3% |