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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 | $71,165 | $65,246+9.1% | $98,716-27.9% | $67,986+4.7% |
| Participation rate | 52.2% | 51.4%+0.8pp | 69.3%-17.1pp | 57.2%-5.0pp |
| Annual return | 14.79% | 20.58%-5.8pp | 31.81%-17.0pp | 31.67%-16.9pp |
| Employer contribution / active EE | $807 | $1,042-22.5% | $2,279-64.6% | $2,019-60.0% |
| Participant deferral / active EE | $1,724 | $2,594-33.5% | $4,048-57.4% | $3,358-48.7% |
| Admin fee / account holder | $1,734 | $4,561-62.0% | $8,703-80.1% | $3,203-45.9% |