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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 | $51,831 | $59,335-12.6% | $129,031-59.8% | $69,733-25.7% |
| Participation rate | 26.4% | 43.3%-16.8pp | 73.4%-46.9pp | 62.5%-36.0pp |
| Annual return | 31.59% | 19.52%+12.1pp | 34.67%-3.1pp | 15.22%+16.4pp |
| Employer contribution / active EE | $552 | $1,639-66.3% | $3,226-82.9% | $2,250-75.4% |
| Participant deferral / active EE | $1,516 | $2,485-39.0% | $5,217-70.9% | $3,054-50.4% |
| Admin fee / account holder | $772 | $3,940-80.4% | $13,208-94.2% | $3,102-75.1% |