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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 | $73,759 | $57,590+28.1% | $86,233-14.5% | $82,448-10.5% |
| Participation rate | 47.2% | 57.9%-10.6pp | 69.0%-21.8pp | 68.1%-20.8pp |
| Annual return | 16.41% | 22.41%-6.0pp | 61.39%-45.0pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,457 | $1,655-12.0% | $2,504-41.8% | $2,551-42.9% |
| Participant deferral / active EE | $3,755 | $3,080+21.9% | $4,559-17.6% | $4,139-9.3% |
| Admin fee / account holder | $1,484 | $4,730-68.6% | $8,342-82.2% | $7,234-79.5% |