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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 | $73,896 | $83,898-11.9% | $133,346-44.6% | $94,015-21.4% |
| Participation rate | 40.8% | 63.4%-22.5pp | 72.8%-32.0pp | 70.8%-30.0pp |
| Annual return | 19.64% | 16.00%+3.6pp | 36.85%-17.2pp | 17.84%+1.8pp |
| Employer contribution / active EE | $989 | $1,821-45.7% | $2,853-65.3% | $2,790-64.5% |
| Participant deferral / active EE | $1,737 | $3,245-46.5% | $4,332-59.9% | $4,249-59.1% |
| Admin fee / account holder | $2,042 | $7,809-73.8% | $14,264-85.7% | $8,951-77.2% |