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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 | $77,029 | $64,010+20.3% | $108,359-28.9% | $64,340+19.7% |
| Participation rate | 24.8% | 49.4%-24.6pp | 70.1%-45.3pp | 55.2%-30.5pp |
| Annual return | 14.34% | 19.74%-5.4pp | 36.89%-22.6pp | 24.14%-9.8pp |
| Employer contribution / active EE | $227 | $1,029-77.9% | $2,399-90.5% | $1,862-87.8% |
| Participant deferral / active EE | $1,049 | $2,395-56.2% | $4,137-74.6% | $2,980-64.8% |
| Admin fee / account holder | $2,204 | $4,885-54.9% | $9,741-77.4% | $3,703-40.5% |