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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 | $84,483 | $51,708+63.4% | $106,619-20.8% | $62,881+34.4% |
| Participation rate | 37.5% | 66.9%-29.4pp | 78.0%-40.5pp | 69.3%-31.8pp |
| Annual return | 6.06% | 4.69%+1.4pp | 9.42%-3.4pp | 20.14%-14.1pp |
| Employer contribution / active EE | $452 | $1,764-74.3% | $3,947-88.5% | $2,281-80.2% |
| Participant deferral / active EE | $1,806 | $2,315-22.0% | $3,930-54.0% | $3,203-43.6% |
| Admin fee / account holder | $2,340 | $3,349-30.1% | $6,418-63.5% | $4,296-45.5% |