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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 | $56,131 | $36,948+51.9% | $73,658-23.8% | $87,485-35.8% |
| Participation rate | 36.4% | 46.8%-10.5pp | 57.0%-20.7pp | 68.9%-32.6pp |
| Annual return | 15.90% | 28.64%-12.7pp | 29.72%-13.8pp | 26.06%-10.2pp |
| Employer contribution / active EE | $710 | $670+5.9% | $1,032-31.3% | $2,596-72.7% |
| Participant deferral / active EE | $1,360 | $1,379-1.4% | $2,062-34.1% | $4,274-68.2% |
| Admin fee / account holder | $769 | $2,531-69.6% | $3,357-77.1% | $7,775-90.1% |