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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 | $69,118 | $57,140+21.0% | $85,240-18.9% | $80,959-14.6% |
| Participation rate | 34.6% | 56.4%-21.8pp | 67.5%-32.9pp | 67.7%-33.1pp |
| Annual return | 13.66% | 21.71%-8.1pp | 66.75%-53.1pp | 35.67%-22.0pp |
| Employer contribution / active EE | $908 | $1,802-49.6% | $2,735-66.8% | $2,757-67.1% |
| Participant deferral / active EE | $2,693 | $3,115-13.6% | $4,527-40.5% | $4,300-37.4% |
| Admin fee / account holder | $3,211 | $4,992-35.7% | $6,165-47.9% | $6,925-53.6% |