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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 | $94,288 | $65,246+44.5% | $98,716-4.5% | $67,986+38.7% |
| Participation rate | 67.6% | 51.4%+16.2pp | 69.3%-1.7pp | 57.2%+10.4pp |
| Annual return | 14.90% | 20.58%-5.7pp | 31.81%-16.9pp | 31.67%-16.8pp |
| Employer contribution / active EE | $380 | $1,042-63.6% | $2,279-83.3% | $2,019-81.2% |
| Participant deferral / active EE | $3,512 | $2,594+35.4% | $4,048-13.2% | $3,358+4.6% |
| Admin fee / account holder | $3,400 | $4,561-25.5% | $8,703-60.9% | $3,203+6.1% |