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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 | $45,939 | $41,824+9.8% | $136,833-66.4% | $69,733-34.1% |
| Participation rate | 42.7% | 29.3%+13.4pp | 59.0%-16.3pp | 62.5%-19.8pp |
| Annual return | 11.92% | 13.53%-1.6pp | 35.32%-23.4pp | 15.22%-3.3pp |
| Employer contribution / active EE | $559 | $494+13.2% | $1,319-57.6% | $2,250-75.2% |
| Participant deferral / active EE | $2,803 | $1,105+153.7% | $2,441+14.8% | $3,054-8.2% |
| Admin fee / account holder | $12,469 | $2,895+330.7% | $4,706+165.0% | $3,102+302.0% |