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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 | $60,175 | $49,024+22.7% | $112,860-46.7% | $87,485-31.2% |
| Participation rate | 21.7% | 62.2%-40.4pp | 66.3%-44.6pp | 68.9%-47.2pp |
| Annual return | 15.14% | 43.86%-28.7pp | 35.26%-20.1pp | 26.06%-10.9pp |
| Employer contribution / active EE | $0 | $1,290-100.0% | $2,206-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,014 | $2,209-54.1% | $3,493-71.0% | $4,274-76.3% |
| Admin fee / account holder | $13,124 | $6,266+109.5% | $6,841+91.8% | $7,775+68.8% |