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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 | $56,105 | $53,583+4.7% | $114,563-51.0% | $64,340-12.8% |
| Participation rate | 22.6% | 47.4%-24.7pp | 72.9%-50.3pp | 55.2%-32.6pp |
| Annual return | 16.13% | 24.51%-8.4pp | 241.09%-225.0pp | 24.14%-8.0pp |
| Employer contribution / active EE | $488 | $1,087-55.1% | $2,592-81.2% | $1,862-73.8% |
| Participant deferral / active EE | $1,181 | $2,134-44.6% | $4,142-71.5% | $2,980-60.4% |
| Admin fee / account holder | $1,530 | $3,206-52.3% | $7,623-79.9% | $3,703-58.7% |