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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 | $85,762 | $48,078+78.4% | $78,676+9.0% | $62,881+36.4% |
| Participation rate | 42.4% | 65.2%-22.8pp | 73.6%-31.1pp | 69.3%-26.9pp |
| Annual return | 9.17% | 31.36%-22.2pp | 62.19%-53.0pp | 20.14%-11.0pp |
| Employer contribution / active EE | $321 | $2,015-84.1% | $2,850-88.7% | $2,281-85.9% |
| Participant deferral / active EE | $2,485 | $2,587-3.9% | $3,517-29.3% | $3,203-22.4% |
| Admin fee / account holder | $524 | $3,206-83.7% | $4,510-88.4% | $4,296-87.8% |