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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 | $83,398 | $58,099+43.5% | $76,872+8.5% | $75,173+10.9% |
| Participation rate | 44.7% | 63.9%-19.2pp | 69.6%-24.9pp | 67.2%-22.5pp |
| Annual return | 16.57% | 26.71%-10.1pp | 37.90%-21.3pp | 160.72%-144.1pp |
| Employer contribution / active EE | $513 | $1,996-74.3% | $2,533-79.8% | $2,671-80.8% |
| Participant deferral / active EE | $1,508 | $2,999-49.7% | $3,832-60.7% | $4,126-63.5% |
| Admin fee / account holder | $578 | $4,778-87.9% | $5,476-89.4% | $5,651-89.8% |