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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 | $54,213 | $48,078+12.8% | $78,676-31.1% | $62,881-13.8% |
| Participation rate | 13.6% | 65.2%-51.6pp | 73.6%-59.9pp | 69.3%-55.7pp |
| Annual return | 7.07% | 31.36%-24.3pp | 62.19%-55.1pp | 20.14%-13.1pp |
| Employer contribution / active EE | $507 | $2,015-74.8% | $2,850-82.2% | $2,281-77.8% |
| Participant deferral / active EE | $847 | $2,587-67.2% | $3,517-75.9% | $3,203-73.5% |
| Admin fee / account holder | $3,136 | $3,206-2.2% | $4,510-30.5% | $4,296-27.0% |