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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 | $71,911 | $81,334-11.6% | $113,397-36.6% | $64,097+12.2% |
| Participation rate | 44.6% | 65.6%-21.0pp | 76.5%-31.9pp | 55.2%-10.6pp |
| Annual return | 13.47% | 32.50%-19.0pp | 23.20%-9.7pp | 34.64%-21.2pp |
| Employer contribution / active EE | $1,312 | $2,077-36.8% | $2,977-55.9% | $1,891-30.7% |
| Participant deferral / active EE | $2,459 | $3,795-35.2% | $5,076-51.6% | $3,080-20.2% |
| Admin fee / account holder | $2,759 | $4,208-34.4% | $11,957-76.9% | $3,454-20.1% |