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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 | $64,942 | $58,627+10.8% | $76,735-15.4% | $82,448-21.2% |
| Participation rate | 25.0% | 63.2%-38.2pp | 69.5%-44.5pp | 68.1%-43.1pp |
| Annual return | 16.99% | 39.10%-22.1pp | 29.77%-12.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $457 | $1,729-73.6% | $2,454-81.4% | $2,551-82.1% |
| Participant deferral / active EE | $1,728 | $3,134-44.9% | $4,088-57.7% | $4,139-58.3% |
| Admin fee / account holder | $13,288 | $5,323+149.7% | $7,189+84.8% | $7,234+83.7% |