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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 | $85,558 | $58,493+46.3% | $84,021+1.8% | $72,975+17.2% |
| Participation rate | 33.9% | 61.2%-27.3pp | 69.0%-35.1pp | 69.5%-35.6pp |
| Annual return | 18.76% | 28.93%-10.2pp | 71.32%-52.6pp | 81.01%-62.2pp |
| Employer contribution / active EE | $425 | $1,163-63.4% | $1,984-78.6% | $2,440-82.6% |
| Participant deferral / active EE | $1,782 | $2,394-25.5% | $3,239-45.0% | $3,608-50.6% |
| Admin fee / account holder | $6,230 | $4,569+36.4% | $6,102+2.1% | $5,124+21.6% |