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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 | $65,921 | $51,895+27.0% | $93,063-29.2% | $79,634-17.2% |
| Participation rate | 29.4% | 52.6%-23.1pp | 72.1%-42.7pp | 62.5%-33.0pp |
| Annual return | 22.36% | 18.14%+4.2pp | 34.15%-11.8pp | 36.46%-14.1pp |
| Employer contribution / active EE | $907 | $1,561-41.9% | $2,476-63.4% | $2,529-64.1% |
| Participant deferral / active EE | $1,860 | $2,964-37.3% | $3,958-53.0% | $3,835-51.5% |
| Admin fee / account holder | $8,691 | $657+1222.7% | $6,033+44.1% | $1,002+767.5% |