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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 | $83,560 | $74,535+12.1% | $100,712-17.0% | $82,637+1.1% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 17.02% | 18.92%-1.9pp | 33.27%-16.2pp | 53.51%-36.5pp |
| Employer contribution / active EE | $407 | $1,503-72.9% | $2,313-82.4% | $2,552-84.1% |
| Participant deferral / active EE | $1,772 | $3,074-42.3% | $4,085-56.6% | $4,126-57.0% |
| Admin fee / account holder | $5,511 | $6,576-16.2% | $9,256-40.5% | $7,339-24.9% |