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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 | $76,996 | $60,352+27.6% | $74,185+3.8% | $62,881+22.4% |
| Participation rate | 56.0% | 72.7%-16.7pp | 76.6%-20.6pp | 69.3%-13.3pp |
| Annual return | 5.35% | 21.37%-16.0pp | 17.74%-12.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $644 | $1,680-61.7% | $2,370-72.8% | $2,281-71.8% |
| Participant deferral / active EE | $3,420 | $2,856+19.8% | $3,550-3.6% | $3,203+6.8% |
| Admin fee / account holder | $514 | $4,261-87.9% | $5,586-90.8% | $4,296-88.0% |