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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 | $63,695 | $56,894+12.0% | $84,753-24.8% | $62,881+1.3% |
| Participation rate | 38.1% | 68.5%-30.4pp | 76.6%-38.4pp | 69.3%-31.2pp |
| Annual return | 7.83% | 6.30%+1.5pp | 22.78%-15.0pp | 20.14%-12.3pp |
| Employer contribution / active EE | $1,091 | $2,400-54.5% | $3,574-69.5% | $2,281-52.2% |
| Participant deferral / active EE | $1,874 | $2,709-30.8% | $3,712-49.5% | $3,203-41.5% |
| Admin fee / account holder | $1,066 | $3,581-70.2% | $5,333-80.0% | $4,296-75.2% |