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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 | $82,118 | $45,312+81.2% | $86,233-4.8% | $67,986+20.8% |
| Participation rate | 16.5% | 42.4%-25.9pp | 69.0%-52.5pp | 57.2%-40.7pp |
| Annual return | 16.62% | 24.79%-8.2pp | 61.39%-44.8pp | 31.67%-15.0pp |
| Employer contribution / active EE | $383 | $1,160-67.0% | $2,504-84.7% | $2,019-81.0% |
| Participant deferral / active EE | $815 | $2,185-62.7% | $4,559-82.1% | $3,358-75.7% |
| Admin fee / account holder | $9,345 | $3,295+183.6% | $8,342+12.0% | $3,203+191.7% |