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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 | $70,943 | $49,025+44.7% | $87,502-18.9% | $62,881+12.8% |
| Participation rate | 37.1% | 64.9%-27.8pp | 73.8%-36.7pp | 69.3%-32.2pp |
| Annual return | 5.28% | 10.02%-4.7pp | 12.21%-6.9pp | 20.14%-14.9pp |
| Employer contribution / active EE | $997 | $1,372-27.3% | $2,550-60.9% | $2,281-56.3% |
| Participant deferral / active EE | $1,730 | $2,289-24.4% | $3,149-45.0% | $3,203-46.0% |
| Admin fee / account holder | $3,310 | $4,065-18.6% | $4,221-21.6% | $4,296-22.9% |