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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 | $68,271 | $74,535-8.4% | $100,712-32.2% | $82,637-17.4% |
| Participation rate | 67.0% | 61.2%+5.9pp | 69.3%-2.2pp | 68.1%-1.0pp |
| Annual return | 15.67% | 18.92%-3.3pp | 33.27%-17.6pp | 53.51%-37.8pp |
| Employer contribution / active EE | $889 | $1,503-40.8% | $2,313-61.6% | $2,552-65.2% |
| Participant deferral / active EE | $2,380 | $3,074-22.6% | $4,085-41.7% | $4,126-42.3% |
| Admin fee / account holder | $4,324 | $6,576-34.2% | $9,256-53.3% | $7,339-41.1% |