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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 | $60,852 | $56,894+7.0% | $84,753-28.2% | $62,881-3.2% |
| Participation rate | 40.7% | 68.5%-27.8pp | 76.6%-35.9pp | 69.3%-28.6pp |
| Annual return | 10.32% | 6.30%+4.0pp | 22.78%-12.5pp | 20.14%-9.8pp |
| Employer contribution / active EE | $559 | $2,400-76.7% | $3,574-84.4% | $2,281-75.5% |
| Participant deferral / active EE | $3,842 | $2,709+41.8% | $3,712+3.5% | $3,203+20.0% |
| Admin fee / account holder | $2,231 | $3,581-37.7% | $5,333-58.2% | $4,296-48.1% |