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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 | $83,166 | $54,541+52.5% | $78,778+5.6% | $70,126+18.6% |
| Participation rate | 32.9% | 60.8%-27.9pp | 69.2%-36.2pp | 69.5%-36.6pp |
| Annual return | 14.80% | 21.07%-6.3pp | 35.62%-20.8pp | 73.15%-58.3pp |
| Employer contribution / active EE | $557 | $1,089-48.8% | $1,986-71.9% | $2,343-76.2% |
| Participant deferral / active EE | $1,379 | $2,210-37.6% | $2,958-53.4% | $3,332-58.6% |
| Admin fee / account holder | $689 | $3,709-81.4% | $5,134-86.6% | $4,645-85.2% |