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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 | $72,811 | $87,180-16.5% | $173,703-58.1% | $94,015-22.6% |
| Participation rate | 55.0% | 65.6%-10.6pp | 75.9%-20.9pp | 70.8%-15.8pp |
| Annual return | 15.31% | 14.17%+1.1pp | 17.46%-2.2pp | 17.84%-2.5pp |
| Employer contribution / active EE | $937 | $2,494-62.4% | $4,288-78.1% | $2,790-66.4% |
| Participant deferral / active EE | $2,558 | $3,343-23.5% | $4,854-47.3% | $4,249-39.8% |
| Admin fee / account holder | $5,132 | $7,506-31.6% | $15,562-67.0% | $8,951-42.7% |