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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 | $89,293 | $51,466+73.5% | $78,778+13.3% | $62,293+43.3% |
| Participation rate | 59.0% | 59.8%-0.8pp | 69.2%-10.2pp | 69.5%-10.5pp |
| Annual return | 15.48% | 19.96%-4.5pp | 35.62%-20.1pp | 28.90%-13.4pp |
| Employer contribution / active EE | $766 | $827-7.5% | $1,986-61.4% | $2,042-62.5% |
| Participant deferral / active EE | $3,233 | $2,147+50.5% | $2,958+9.3% | $3,169+2.0% |
| Admin fee / account holder | $589 | $489+20.3% | $5,134-88.5% | $479+22.8% |