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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 | $74,666 | $56,894+31.2% | $84,753-11.9% | $62,881+18.7% |
| Participation rate | 62.7% | 68.5%-5.8pp | 76.6%-13.9pp | 69.3%-6.6pp |
| Annual return | 9.92% | 6.30%+3.6pp | 22.78%-12.9pp | 20.14%-10.2pp |
| Employer contribution / active EE | $1,425 | $2,400-40.6% | $3,574-60.1% | $2,281-37.5% |
| Participant deferral / active EE | $4,067 | $2,709+50.1% | $3,712+9.6% | $3,203+27.0% |
| Admin fee / account holder | $6,938 | $3,581+93.7% | $5,333+30.1% | $4,296+61.5% |