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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 | $60,192 | $51,708+16.4% | $106,619-43.5% | $62,881-4.3% |
| Participation rate | 56.8% | 66.9%-10.1pp | 78.0%-21.2pp | 69.3%-12.5pp |
| Annual return | 6.37% | 4.69%+1.7pp | 9.42%-3.1pp | 20.14%-13.8pp |
| Employer contribution / active EE | $799 | $1,764-54.7% | $3,947-79.8% | $2,281-65.0% |
| Participant deferral / active EE | $1,656 | $2,315-28.5% | $3,930-57.9% | $3,203-48.3% |
| Admin fee / account holder | $359 | $3,349-89.3% | $6,418-94.4% | $4,296-91.6% |