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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 | $60,533 | $36,948+63.8% | $73,658-17.8% | $87,485-30.8% |
| Participation rate | 20.4% | 46.8%-26.4pp | 57.0%-36.7pp | 68.9%-48.6pp |
| Annual return | 15.23% | 28.64%-13.4pp | 29.72%-14.5pp | 26.06%-10.8pp |
| Employer contribution / active EE | $121 | $670-81.9% | $1,032-88.2% | $2,596-95.3% |
| Participant deferral / active EE | $570 | $1,379-58.7% | $2,062-72.4% | $4,274-86.7% |
| Admin fee / account holder | $2,819 | $2,531+11.4% | $3,357-16.0% | $7,775-63.7% |