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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 | $78,500 | $57,140+37.4% | $85,240-7.9% | $80,959-3.0% |
| Participation rate | 35.6% | 56.4%-20.8pp | 67.5%-31.9pp | 67.7%-32.1pp |
| Annual return | 13.95% | 21.71%-7.8pp | 66.75%-52.8pp | 35.67%-21.7pp |
| Employer contribution / active EE | $906 | $1,802-49.7% | $2,735-66.9% | $2,757-67.1% |
| Participant deferral / active EE | $1,703 | $3,115-45.3% | $4,527-62.4% | $4,300-60.4% |
| Admin fee / account holder | $485 | $4,992-90.3% | $6,165-92.1% | $6,925-93.0% |