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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 | $68,335 | $58,493+16.8% | $84,023-18.7% | $72,976-6.4% |
| Participation rate | 32.1% | 61.2%-29.1pp | 69.0%-36.9pp | 69.5%-37.3pp |
| Annual return | 22.59% | 28.93%-6.3pp | 71.32%-48.7pp | 81.02%-58.4pp |
| Employer contribution / active EE | $505 | $1,163-56.6% | $1,984-74.5% | $2,440-79.3% |
| Participant deferral / active EE | $1,322 | $2,394-44.8% | $3,239-59.2% | $3,608-63.4% |
| Admin fee / account holder | $491 | $4,569-89.2% | $6,102-91.9% | $5,124-90.4% |