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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 | $64,582 | $87,834-26.5% | $133,975-51.8% | $62,881+2.7% |
| Participation rate | 69.8% | 83.4%-13.6pp | 87.1%-17.3pp | 69.3%+0.5pp |
| Annual return | 8.90% | 12.05%-3.2pp | 29.29%-20.4pp | 20.14%-11.2pp |
| Employer contribution / active EE | $2,749 | $3,482-21.1% | $5,211-47.2% | $2,281+20.5% |
| Participant deferral / active EE | $3,334 | $4,812-30.7% | $6,282-46.9% | $3,203+4.1% |
| Admin fee / account holder | $1,547 | $5,372-71.2% | $9,324-83.4% | $4,296-64.0% |