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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 | $44,980+32.9% | $85,063-29.7% | $77,692-23.0% |
| Participation rate | 18.3% | 48.6%-30.3pp | 67.5%-49.2pp | 70.6%-52.3pp |
| Annual return | 19.55% | 79.13%-59.6pp | 66.54%-47.0pp | 31.25%-11.7pp |
| Employer contribution / active EE | $538 | $1,607-66.6% | $2,727-80.3% | $2,726-80.3% |
| Participant deferral / active EE | $763 | $2,804-72.8% | $4,523-83.1% | $4,648-83.6% |
| Admin fee / account holder | $797 | $911-12.5% | $6,155-87.0% | $431+85.2% |