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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 | $50,512 | $58,627-13.8% | $76,735-34.2% | $82,448-38.7% |
| Participation rate | 21.4% | 63.2%-41.8pp | 69.5%-48.1pp | 68.1%-46.6pp |
| Annual return | 21.30% | 39.10%-17.8pp | 29.77%-8.5pp | 41.64%-20.3pp |
| Employer contribution / active EE | $497 | $1,729-71.3% | $2,454-79.8% | $2,551-80.5% |
| Participant deferral / active EE | $2,021 | $3,134-35.5% | $4,088-50.6% | $4,139-51.2% |
| Admin fee / account holder | $2,683 | $5,323-49.6% | $7,189-62.7% | $7,234-62.9% |