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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 | $56,021 | $63,456-11.7% | $100,712-44.4% | $64,097-12.6% |
| Participation rate | 22.9% | 49.7%-26.8pp | 69.3%-46.4pp | 55.2%-32.3pp |
| Annual return | 15.39% | 19.65%-4.3pp | 33.27%-17.9pp | 34.64%-19.3pp |
| Employer contribution / active EE | $615 | $1,003-38.6% | $2,313-73.4% | $1,891-67.5% |
| Participant deferral / active EE | $1,235 | $2,463-49.9% | $4,085-69.8% | $3,080-59.9% |
| Admin fee / account holder | $1,368 | $4,808-71.5% | $9,256-85.2% | $3,454-60.4% |