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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 | $57,026 | $37,446+52.3% | $77,552-26.5% | $79,856-28.6% |
| Participation rate | 31.4% | 41.5%-10.1pp | 54.2%-22.8pp | 69.6%-38.2pp |
| Annual return | 15.34% | 39.76%-24.4pp | 54.82%-39.5pp | 31.71%-16.4pp |
| Employer contribution / active EE | $178 | $637-72.1% | $987-82.0% | $2,471-92.8% |
| Participant deferral / active EE | $868 | $1,261-31.1% | $1,861-53.4% | $3,741-76.8% |
| Admin fee / account holder | $1,039 | $2,506-58.5% | $2,859-63.7% | $5,306-80.4% |