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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 | $63,297 | $36,844+71.8% | $83,854-24.5% | $65,306-3.1% |
| Participation rate | 27.7% | 29.2%-1.5pp | 59.1%-31.4pp | 57.7%-30.0pp |
| Annual return | 13.82% | 22.28%-8.5pp | 31.39%-17.6pp | 21.94%-8.1pp |
| Employer contribution / active EE | $735 | $415+77.2% | $1,017-27.7% | $1,967-62.6% |
| Participant deferral / active EE | $1,230 | $1,040+18.3% | $2,035-39.6% | $2,959-58.4% |
| Admin fee / account holder | $2,721 | $2,546+6.9% | $3,197-14.9% | $3,480-21.8% |