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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 | $91,446 | $79,961+14.4% | $98,462-7.1% | $75,177+21.6% |
| Participation rate | 59.8% | 70.4%-10.6pp | 75.2%-15.4pp | 67.2%-7.4pp |
| Annual return | 14.10% | 19.75%-5.6pp | 21.17%-7.1pp | 160.75%-146.6pp |
| Employer contribution / active EE | $659 | $2,264-70.9% | $3,049-78.4% | $2,671-75.3% |
| Participant deferral / active EE | $3,202 | $3,753-14.7% | $4,738-32.4% | $4,126-22.4% |
| Admin fee / account holder | $4,871 | $6,842-28.8% | $8,875-45.1% | $5,651-13.8% |