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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 | $53,893 | $45,312+18.9% | $86,233-37.5% | $67,986-20.7% |
| Participation rate | 20.4% | 42.4%-22.1pp | 69.0%-48.7pp | 57.2%-36.8pp |
| Annual return | 19.43% | 24.79%-5.4pp | 61.39%-42.0pp | 31.67%-12.2pp |
| Employer contribution / active EE | $744 | $1,160-35.8% | $2,504-70.3% | $2,019-63.1% |
| Participant deferral / active EE | $1,949 | $2,185-10.8% | $4,559-57.2% | $3,358-41.9% |
| Admin fee / account holder | $7,995 | $3,295+142.6% | $8,342-4.2% | $3,203+149.6% |