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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 | $63,864 | $37,446+70.5% | $77,513-17.6% | $79,852-20.0% |
| Participation rate | 31.9% | 41.5%-9.6pp | 54.2%-22.3pp | 69.6%-37.7pp |
| Annual return | 22.39% | 39.76%-17.4pp | 54.81%-32.4pp | 31.72%-9.3pp |
| Employer contribution / active EE | $355 | $637-44.2% | $987-64.0% | $2,471-85.6% |
| Participant deferral / active EE | $412 | $1,261-67.3% | $1,861-77.8% | $3,740-89.0% |
| Admin fee / account holder | $993 | $2,506-60.4% | $2,859-65.3% | $5,306-81.3% |