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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 | $61,491 | $41,016+49.9% | $152,093-59.6% | $64,097-4.1% |
| Participation rate | 26.0% | 51.3%-25.4pp | 77.8%-51.8pp | 55.2%-29.2pp |
| Annual return | 13.77% | 39.60%-25.8pp | 66.36%-52.6pp | 34.64%-20.9pp |
| Employer contribution / active EE | $322 | $1,342-76.0% | $4,175-92.3% | $1,891-83.0% |
| Participant deferral / active EE | $1,544 | $1,927-19.9% | $5,451-71.7% | $3,080-49.9% |
| Admin fee / account holder | $1,284 | $2,305-44.3% | $14,497-91.1% | $3,454-62.8% |