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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 | $85,629 | $47,848+79.0% | $81,473+5.1% | $70,126+22.1% |
| Participation rate | 69.2% | 58.3%+11.0pp | 68.0%+1.3pp | 69.5%-0.3pp |
| Annual return | 14.68% | 27.25%-12.6pp | 38.78%-24.1pp | 73.15%-58.5pp |
| Employer contribution / active EE | $940 | $1,527-38.4% | $2,568-63.4% | $2,343-59.9% |
| Participant deferral / active EE | $2,173 | $2,453-11.4% | $3,537-38.6% | $3,332-34.8% |
| Admin fee / account holder | $1,501 | $3,145-52.3% | $4,561-67.1% | $4,645-67.7% |