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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 | $59,796 | $45,109+32.6% | $85,240-29.9% | $77,762-23.1% |
| Participation rate | 18.3% | 48.7%-30.3pp | 67.5%-49.2pp | 70.6%-52.3pp |
| Annual return | 19.55% | 79.55%-60.0pp | 66.75%-47.2pp | 31.27%-11.7pp |
| Employer contribution / active EE | $538 | $1,602-66.4% | $2,735-80.3% | $2,728-80.3% |
| Participant deferral / active EE | $763 | $2,814-72.9% | $4,527-83.1% | $4,651-83.6% |
| Admin fee / account holder | $797 | $915-12.8% | $6,165-87.1% | $433+84.2% |