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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 | $86,067 | $52,306+64.5% | $69,779+23.3% | $62,881+36.9% |
| Participation rate | 55.2% | 67.2%-12.1pp | 71.8%-16.7pp | 69.3%-14.1pp |
| Annual return | 7.56% | 13.35%-5.8pp | 12.99%-5.4pp | 20.14%-12.6pp |
| Employer contribution / active EE | $910 | $1,799-49.4% | $2,338-61.1% | $2,281-60.1% |
| Participant deferral / active EE | $5,459 | $2,395+127.9% | $2,931+86.3% | $3,203+70.4% |
| Admin fee / account holder | $5,530 | $3,691+49.8% | $4,381+26.2% | $4,296+28.7% |