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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 | $79,875 | $60,349+32.4% | $74,184+7.7% | $62,881+27.0% |
| Participation rate | 54.8% | 72.7%-18.0pp | 76.6%-21.9pp | 69.3%-14.5pp |
| Annual return | 4.77% | 21.38%-16.6pp | 17.74%-13.0pp | 20.14%-15.4pp |
| Employer contribution / active EE | $757 | $1,680-55.0% | $2,370-68.1% | $2,281-66.8% |
| Participant deferral / active EE | $2,426 | $2,856-15.1% | $3,550-31.7% | $3,203-24.3% |
| Admin fee / account holder | $6,765 | $4,261+58.8% | $5,586+21.1% | $4,296+57.5% |