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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 | $37,886 | $27,876+35.9% | $83,854-54.8% | $65,191-41.9% |
| Participation rate | 15.3% | 23.2%-7.9pp | 59.1%-43.8pp | 63.0%-47.7pp |
| Annual return | 12.33% | 305.90%-293.6pp | 31.39%-19.1pp | 51.24%-38.9pp |
| Employer contribution / active EE | $98 | $472-79.3% | $1,017-90.4% | $2,400-95.9% |
| Participant deferral / active EE | $349 | $580-39.8% | $2,035-82.8% | $2,671-86.9% |
| Admin fee / account holder | $1,487 | $1,497-0.7% | $3,197-53.5% | $907+63.9% |