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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 | $63,064 | $53,774+17.3% | $134,162-53.0% | $79,852-21.0% |
| Participation rate | 62.1% | 58.8%+3.3pp | 72.2%-10.1pp | 69.6%-7.6pp |
| Annual return | 10.97% | 19.01%-8.0pp | 36.35%-25.4pp | 31.72%-20.7pp |
| Employer contribution / active EE | $488 | $1,322-63.1% | $3,705-86.8% | $2,471-80.2% |
| Participant deferral / active EE | $998 | $2,420-58.8% | $3,500-71.5% | $3,740-73.3% |
| Admin fee / account holder | $3,090 | $3,985-22.5% | $6,685-53.8% | $5,306-41.8% |