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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 | $48,118+25.8% | $136,833-55.8% | $94,015-35.6% |
| Participation rate | 20.4% | 47.4%-27.0pp | 59.0%-38.7pp | 70.8%-50.5pp |
| Annual return | 15.23% | 14.65%+0.6pp | 35.32%-20.1pp | 17.84%-2.6pp |
| Employer contribution / active EE | $121 | $821-85.2% | $1,319-90.8% | $2,790-95.6% |
| Participant deferral / active EE | $570 | $1,651-65.5% | $2,441-76.7% | $4,249-86.6% |
| Admin fee / account holder | $2,819 | $3,059-7.8% | $4,706-40.1% | $8,951-68.5% |