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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 | $87,687 | $67,602+29.7% | $82,312+6.5% | $70,126+25.0% |
| Participation rate | 35.4% | 72.8%-37.4pp | 76.9%-41.5pp | 69.5%-34.2pp |
| Annual return | 14.72% | 21.57%-6.8pp | 25.88%-11.2pp | 73.15%-58.4pp |
| Employer contribution / active EE | $616 | $1,755-64.9% | $2,428-74.6% | $2,343-73.7% |
| Participant deferral / active EE | $2,160 | $2,987-27.7% | $3,706-41.7% | $3,332-35.2% |
| Admin fee / account holder | $3,502 | $4,512-22.4% | $5,608-37.5% | $4,645-24.6% |