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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 | $63,981 | $55,636+15.0% | $81,982-22.0% | $73,497-12.9% |
| Participation rate | 33.3% | 62.3%-29.0pp | 69.3%-35.9pp | 70.7%-37.3pp |
| Annual return | 27.30% | 19.07%+8.2pp | 41.31%-14.0pp | 28.51%-1.2pp |
| Employer contribution / active EE | $500 | $1,625-69.2% | $2,498-80.0% | $2,270-78.0% |
| Participant deferral / active EE | $1,102 | $2,762-60.1% | $3,722-70.4% | $3,740-70.5% |
| Admin fee / account holder | $3,704 | $493+651.6% | $5,665-34.6% | $513+621.9% |