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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 | $27,751 | $45,343-38.8% | $150,298-81.5% | $67,986-59.2% |
| Participation rate | 58.3% | 51.9%+6.5pp | 77.8%-19.4pp | 57.2%+1.1pp |
| Annual return | 20.87% | 33.28%-12.4pp | 62.79%-41.9pp | 31.67%-10.8pp |
| Employer contribution / active EE | $433 | $1,462-70.4% | $4,154-89.6% | $2,019-78.5% |
| Participant deferral / active EE | $2,762 | $2,055+34.4% | $5,453-49.4% | $3,358-17.8% |
| Admin fee / account holder | $819 | $2,250-63.6% | $14,116-94.2% | $3,203-74.4% |