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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 | $55,861 | $62,672-10.9% | $185,117-69.8% | $70,126-20.3% |
| Participation rate | 27.2% | 63.8%-36.6pp | 77.3%-50.1pp | 69.5%-42.4pp |
| Annual return | 18.89% | 40.79%-21.9pp | 40.50%-21.6pp | 73.15%-54.3pp |
| Employer contribution / active EE | $540 | $1,753-69.2% | $4,182-87.1% | $2,343-76.9% |
| Participant deferral / active EE | $1,861 | $3,272-43.1% | $5,045-63.1% | $3,332-44.2% |
| Admin fee / account holder | $1,672 | $3,932-57.5% | $8,159-79.5% | $4,645-64.0% |