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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 | $63,146 | $59,328+6.4% | $118,914-46.9% | $73,497-14.1% |
| Participation rate | 42.9% | 62.3%-19.4pp | 75.4%-32.5pp | 70.7%-27.8pp |
| Annual return | 20.45% | 19.13%+1.3pp | 35.89%-15.4pp | 28.51%-8.1pp |
| Employer contribution / active EE | $854 | $1,803-52.7% | $3,264-73.9% | $2,270-62.4% |
| Participant deferral / active EE | $2,218 | $2,604-14.8% | $4,266-48.0% | $3,740-40.7% |
| Admin fee / account holder | $1,128 | $600+87.9% | $6,582-82.9% | $513+119.9% |