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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 | $48,050+7.9% | $96,754-46.4% | $64,340-19.4% |
| Participation rate | 26.4% | 40.6%-14.1pp | 70.3%-43.8pp | 55.2%-28.8pp |
| Annual return | 31.59% | 23.41%+8.2pp | 82.04%-50.5pp | 24.14%+7.4pp |
| Employer contribution / active EE | $552 | $1,204-54.1% | $2,679-79.4% | $1,862-70.3% |
| Participant deferral / active EE | $1,516 | $2,191-30.8% | $4,758-68.1% | $2,980-49.1% |
| Admin fee / account holder | $772 | $3,741-79.4% | $8,905-91.3% | $3,703-79.1% |