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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 | $52,280 | $47,922+9.1% | $75,901-31.1% | $65,185-19.8% |
| Participation rate | 25.0% | 63.0%-38.0pp | 69.3%-44.3pp | 70.2%-45.2pp |
| Annual return | 19.11% | 24.12%-5.0pp | 30.76%-11.6pp | 29.38%-10.3pp |
| Employer contribution / active EE | $695 | $1,557-55.4% | $2,501-72.2% | $2,177-68.1% |
| Participant deferral / active EE | $1,717 | $2,550-32.7% | $3,603-52.3% | $3,514-51.1% |
| Admin fee / account holder | $1,189 | $532+123.7% | $5,420-78.1% | $847+40.4% |