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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 | $64,010+11.2% | $108,359-34.3% | $64,340+10.6% |
| Participation rate | 52.2% | 49.4%+2.8pp | 70.1%-17.9pp | 55.2%-3.0pp |
| Annual return | 14.79% | 19.74%-4.9pp | 36.89%-22.1pp | 24.14%-9.4pp |
| Employer contribution / active EE | $807 | $1,029-21.5% | $2,399-66.3% | $1,862-56.6% |
| Participant deferral / active EE | $1,724 | $2,395-28.0% | $4,137-58.3% | $2,980-42.1% |
| Admin fee / account holder | $1,734 | $4,885-64.5% | $9,741-82.2% | $3,703-53.2% |