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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 | $84,690 | $108,825-22.2% | $156,181-45.8% | $82,448+2.7% |
| Participation rate | 60.5% | 72.4%-11.9pp | 78.8%-18.4pp | 68.1%-7.6pp |
| Annual return | 21.75% | 20.59%+1.2pp | 64.87%-43.1pp | 41.64%-19.9pp |
| Employer contribution / active EE | $1,407 | $2,870-51.0% | $4,294-67.2% | $2,551-44.9% |
| Participant deferral / active EE | $3,850 | $4,577-15.9% | $6,132-37.2% | $4,139-7.0% |
| Admin fee / account holder | $2,588 | $9,341-72.3% | $14,586-82.3% | $7,234-64.2% |