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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 | $87,505 | $76,407+14.5% | $150,298-41.8% | $82,448+6.1% |
| Participation rate | 32.4% | 66.4%-34.0pp | 77.8%-45.4pp | 68.1%-35.7pp |
| Annual return | 16.78% | 39.99%-23.2pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $560 | $2,614-78.6% | $4,154-86.5% | $2,551-78.1% |
| Participant deferral / active EE | $1,149 | $3,214-64.3% | $5,453-78.9% | $4,139-72.3% |
| Admin fee / account holder | $3,556 | $6,352-44.0% | $14,116-74.8% | $7,234-50.8% |