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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 | $78,437 | $56,894+37.9% | $84,753-7.5% | $62,881+24.7% |
| Participation rate | 61.1% | 68.5%-7.4pp | 76.6%-15.5pp | 69.3%-8.2pp |
| Annual return | 6.41% | 6.30%+0.1pp | 22.78%-16.4pp | 20.14%-13.7pp |
| Employer contribution / active EE | $596 | $2,400-75.1% | $3,574-83.3% | $2,281-73.8% |
| Participant deferral / active EE | $4,717 | $2,709+74.1% | $3,712+27.1% | $3,203+47.3% |
| Admin fee / account holder | $2,902 | $3,581-19.0% | $5,333-45.6% | $4,296-32.5% |