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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 | $73,086 | $52,306+39.7% | $69,779+4.7% | $62,881+16.2% |
| Participation rate | 26.0% | 67.2%-41.2pp | 71.8%-45.8pp | 69.3%-43.3pp |
| Annual return | 6.18% | 13.35%-7.2pp | 12.99%-6.8pp | 20.14%-14.0pp |
| Employer contribution / active EE | $630 | $1,799-65.0% | $2,338-73.0% | $2,281-72.4% |
| Participant deferral / active EE | $1,336 | $2,395-44.2% | $2,931-54.4% | $3,203-58.3% |
| Admin fee / account holder | $4,873 | $3,691+32.0% | $4,381+11.2% | $4,296+13.4% |