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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 | $68,097 | $25,014+172.2% | $69,460-2.0% | $80,911-15.8% |
| Participation rate | 55.2% | 64.2%-9.0pp | 66.4%-11.3pp | 67.6%-12.5pp |
| Annual return | 15.24% | 19.08%-3.8pp | 100.80%-85.6pp | 35.63%-20.4pp |
| Employer contribution / active EE | $568 | $991-42.7% | $1,714-66.9% | $2,756-79.4% |
| Participant deferral / active EE | $1,596 | $1,839-13.2% | $2,890-44.8% | $4,297-62.9% |
| Admin fee / account holder | $536 | $2,491-78.5% | $4,695-88.6% | $6,935-92.3% |