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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 | $87,245 | $72,027+21.1% | $185,861-53.1% | $79,856+9.3% |
| Participation rate | 32.8% | 65.8%-33.0pp | 78.0%-45.3pp | 69.6%-36.9pp |
| Annual return | 13.39% | 23.13%-9.7pp | 35.96%-22.6pp | 31.71%-18.3pp |
| Employer contribution / active EE | $888 | $1,965-54.8% | $4,088-78.3% | $2,471-64.1% |
| Participant deferral / active EE | $2,258 | $3,780-40.2% | $5,634-59.9% | $3,741-39.6% |
| Admin fee / account holder | $1,323 | $4,513-70.7% | $9,503-86.1% | $5,306-75.1% |