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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 | $54,764 | $36,948+48.2% | $73,658-25.7% | $87,485-37.4% |
| Participation rate | 15.5% | 46.8%-31.3pp | 57.0%-41.5pp | 68.9%-53.4pp |
| Annual return | 14.16% | 28.64%-14.5pp | 29.72%-15.6pp | 26.06%-11.9pp |
| Employer contribution / active EE | $417 | $670-37.8% | $1,032-59.6% | $2,596-84.0% |
| Participant deferral / active EE | $943 | $1,379-31.6% | $2,062-54.2% | $4,274-77.9% |
| Admin fee / account holder | $2,906 | $2,531+14.8% | $3,357-13.4% | $7,775-62.6% |