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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 | $61,825 | $60,442+2.3% | $96,754-36.1% | $87,485-29.3% |
| Participation rate | 27.3% | 58.7%-31.4pp | 70.3%-43.0pp | 68.9%-41.7pp |
| Annual return | 15.60% | 21.97%-6.4pp | 82.04%-66.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $945 | $1,691-44.1% | $2,679-64.7% | $2,596-63.6% |
| Participant deferral / active EE | $1,513 | $3,280-53.9% | $4,758-68.2% | $4,274-64.6% |
| Admin fee / account holder | $344 | $5,069-93.2% | $8,905-96.1% | $7,775-95.6% |