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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 | $64,010+47.3% | $108,359-13.0% | $64,340+46.5% |
| Participation rate | 67.6% | 49.4%+18.3pp | 70.1%-2.5pp | 55.2%+12.4pp |
| Annual return | 14.90% | 19.74%-4.8pp | 36.89%-22.0pp | 24.14%-9.2pp |
| Employer contribution / active EE | $380 | $1,029-63.1% | $2,399-84.2% | $1,862-79.6% |
| Participant deferral / active EE | $3,512 | $2,395+46.6% | $4,137-15.1% | $2,980+17.8% |
| Admin fee / account holder | $3,400 | $4,885-30.4% | $9,741-65.1% | $3,703-8.2% |