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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 | $42,389 | $37,156+14.1% | $83,854-49.4% | $86,983-51.3% |
| Participation rate | 4.3% | 49.1%-44.8pp | 59.1%-54.9pp | 69.5%-65.3pp |
| Annual return | 13.34% | 29.88%-16.5pp | 31.39%-18.1pp | 25.83%-12.5pp |
| Employer contribution / active EE | $166 | $661-75.0% | $1,017-83.7% | $2,584-93.6% |
| Participant deferral / active EE | $434 | $1,418-69.4% | $2,035-78.7% | $4,194-89.7% |
| Admin fee / account holder | $5,118 | $2,510+103.9% | $3,197+60.1% | $7,856-34.8% |