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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 | $92,421 | $56,894+62.4% | $84,753+9.0% | $62,881+47.0% |
| Participation rate | 54.9% | 68.5%-13.6pp | 76.6%-21.7pp | 69.3%-14.4pp |
| Annual return | 7.21% | 6.30%+0.9pp | 22.78%-15.6pp | 20.14%-12.9pp |
| Employer contribution / active EE | $497 | $2,400-79.3% | $3,574-86.1% | $2,281-78.2% |
| Participant deferral / active EE | $5,136 | $2,709+89.6% | $3,712+38.4% | $3,203+60.3% |
| Admin fee / account holder | $3,654 | $3,581+2.0% | $5,333-31.5% | $4,296-14.9% |