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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 | $59,543 | $56,110+6.1% | $94,993-37.3% | $70,126-15.1% |
| Participation rate | 22.6% | 65.0%-42.4pp | 73.9%-51.3pp | 69.5%-47.0pp |
| Annual return | 15.81% | 51.02%-35.2pp | 27.14%-11.3pp | 73.15%-57.3pp |
| Employer contribution / active EE | $471 | $1,442-67.4% | $2,603-81.9% | $2,343-79.9% |
| Participant deferral / active EE | $950 | $2,391-60.3% | $3,317-71.4% | $3,332-71.5% |
| Admin fee / account holder | $3,493 | $3,456+1.1% | $4,960-29.6% | $4,645-24.8% |