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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 | $99,644 | $75,541+31.9% | $152,093-34.5% | $82,637+20.6% |
| Participation rate | 16.3% | 66.5%-50.2pp | 77.8%-61.4pp | 68.1%-51.7pp |
| Annual return | 15.89% | 32.56%-16.7pp | 66.36%-50.5pp | 53.51%-37.6pp |
| Employer contribution / active EE | $584 | $2,622-77.7% | $4,175-86.0% | $2,552-77.1% |
| Participant deferral / active EE | $976 | $3,206-69.6% | $5,451-82.1% | $4,126-76.4% |
| Admin fee / account holder | $830 | $6,405-87.0% | $14,497-94.3% | $7,339-88.7% |