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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 | $63,258 | $51,708+22.3% | $106,619-40.7% | $62,881+0.6% |
| Participation rate | 58.1% | 66.9%-8.7pp | 78.0%-19.9pp | 69.3%-11.2pp |
| Annual return | 7.80% | 4.69%+3.1pp | 9.42%-1.6pp | 20.14%-12.3pp |
| Employer contribution / active EE | $853 | $1,764-51.6% | $3,947-78.4% | $2,281-62.6% |
| Participant deferral / active EE | $2,316 | $2,3150% | $3,930-41.1% | $3,203-27.7% |
| Admin fee / account holder | $1,312 | $3,349-60.8% | $6,418-79.6% | $4,296-69.5% |