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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 | $69,165 | $56,894+21.6% | $84,753-18.4% | $62,881+10.0% |
| Participation rate | 45.9% | 68.5%-22.6pp | 76.6%-30.6pp | 69.3%-23.4pp |
| Annual return | 18.20% | 6.30%+11.9pp | 22.78%-4.6pp | 20.14%-1.9pp |
| Employer contribution / active EE | $1,379 | $2,400-42.5% | $3,574-61.4% | $2,281-39.5% |
| Participant deferral / active EE | $3,113 | $2,709+14.9% | $3,712-16.1% | $3,203-2.8% |
| Admin fee / account holder | $571 | $3,581-84.1% | $5,333-89.3% | $4,296-86.7% |