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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 | $72,439 | $53,583+35.2% | $114,563-36.8% | $64,340+12.6% |
| Participation rate | 18.5% | 47.4%-28.8pp | 72.9%-54.4pp | 55.2%-36.7pp |
| Annual return | 17.12% | 24.51%-7.4pp | 241.09%-224.0pp | 24.14%-7.0pp |
| Employer contribution / active EE | $299 | $1,087-72.5% | $2,592-88.5% | $1,862-83.9% |
| Participant deferral / active EE | $892 | $2,134-58.2% | $4,142-78.5% | $2,980-70.1% |
| Admin fee / account holder | $2,405 | $3,206-25.0% | $7,623-68.4% | $3,703-35.0% |