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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 | $75,810 | $79,955-5.2% | $98,450-23.0% | $75,181+0.8% |
| Participation rate | 22.2% | 70.4%-48.1pp | 75.2%-52.9pp | 67.2%-45.0pp |
| Annual return | 15.03% | 19.75%-4.7pp | 21.16%-6.1pp | 160.69%-145.7pp |
| Employer contribution / active EE | $1,564 | $2,264-30.9% | $3,049-48.7% | $2,671-41.4% |
| Participant deferral / active EE | $5,247 | $3,752+39.8% | $4,739+10.7% | $4,126+27.2% |
| Admin fee / account holder | $3,425 | $6,841-49.9% | $8,961-61.8% | $5,650-39.4% |