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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 | $85,288 | $76,669+11.2% | $96,520-11.6% | $71,495+19.3% |
| Participation rate | 24.3% | 66.6%-42.2pp | 74.3%-50.0pp | 67.9%-43.6pp |
| Annual return | 53.14% | 48.29%+4.9pp | 35.72%+17.4pp | 28.85%+24.3pp |
| Employer contribution / active EE | $992 | $3,031-67.3% | $3,739-73.5% | $2,589-61.7% |
| Participant deferral / active EE | $2,424 | $3,771-35.7% | $4,879-50.3% | $4,291-43.5% |
| Admin fee / account holder | $2,949 | $2,028+45.4% | $6,733-56.2% | $1,588+85.8% |