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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 | $85,387 | $36,948+131.1% | $73,658+15.9% | $87,485-2.4% |
| Participation rate | 42.3% | 46.8%-4.5pp | 57.0%-14.7pp | 68.9%-26.6pp |
| Annual return | 15.78% | 28.64%-12.9pp | 29.72%-13.9pp | 26.06%-10.3pp |
| Employer contribution / active EE | $956 | $670+42.6% | $1,032-7.4% | $2,596-63.2% |
| Participant deferral / active EE | $2,817 | $1,379+104.3% | $2,062+36.6% | $4,274-34.1% |
| Admin fee / account holder | $1,225 | $2,531-51.6% | $3,357-63.5% | $7,775-84.2% |