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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 | $55,380 | $47,848+15.7% | $81,473-32.0% | $70,126-21.0% |
| Participation rate | 42.4% | 58.3%-15.9pp | 68.0%-25.5pp | 69.5%-27.1pp |
| Annual return | 13.58% | 27.25%-13.7pp | 38.78%-25.2pp | 73.15%-59.6pp |
| Employer contribution / active EE | $430 | $1,527-71.9% | $2,568-83.3% | $2,343-81.7% |
| Participant deferral / active EE | $1,718 | $2,453-29.9% | $3,537-51.4% | $3,332-48.4% |
| Admin fee / account holder | $3,707 | $3,145+17.9% | $4,561-18.7% | $4,645-20.2% |