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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 | $59,982 | $37,446+60.2% | $77,552-22.7% | $79,856-24.9% |
| Participation rate | 35.9% | 41.5%-5.6pp | 54.2%-18.3pp | 69.6%-33.7pp |
| Annual return | 13.54% | 39.76%-26.2pp | 54.82%-41.3pp | 31.71%-18.2pp |
| Employer contribution / active EE | $609 | $637-4.4% | $987-38.3% | $2,471-75.4% |
| Participant deferral / active EE | $1,653 | $1,261+31.1% | $1,861-11.2% | $3,741-55.8% |
| Admin fee / account holder | $7,672 | $2,506+206.1% | $2,859+168.3% | $5,306+44.6% |