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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 | $74,709 | $106,524-29.9% | $152,301-50.9% | $87,485-14.6% |
| Participation rate | 55.9% | 75.8%-19.8pp | 82.4%-26.5pp | 68.9%-13.0pp |
| Annual return | 15.76% | 26.89%-11.1pp | 80.50%-64.7pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,128 | $3,371-36.9% | $4,624-54.0% | $2,596-18.0% |
| Participant deferral / active EE | $6,107 | $6,525-6.4% | $8,004-23.7% | $4,274+42.9% |
| Admin fee / account holder | $3,110 | $8,287-62.5% | $14,398-78.4% | $7,775-60.0% |