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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 | $63,949+15.3% | $129,031-42.8% | $94,015-21.5% |
| Participation rate | 47.2% | 63.4%-16.2pp | 73.4%-26.1pp | 70.8%-23.6pp |
| Annual return | 16.41% | 17.56%-1.2pp | 34.67%-18.3pp | 17.84%-1.4pp |
| Employer contribution / active EE | $1,457 | $1,865-21.9% | $3,226-54.8% | $2,790-47.8% |
| Participant deferral / active EE | $3,755 | $3,686+1.9% | $5,217-28.0% | $4,249-11.6% |
| Admin fee / account holder | $1,484 | $5,523-73.1% | $13,208-88.8% | $8,951-83.4% |