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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 | $74,927 | $85,515-12.4% | $112,040-33.1% | $67,986+10.2% |
| Participation rate | 41.4% | 68.2%-26.8pp | 76.5%-35.1pp | 57.2%-15.8pp |
| Annual return | 14.52% | 29.68%-15.2pp | 24.52%-10.0pp | 31.67%-17.1pp |
| Employer contribution / active EE | $1,208 | $2,191-44.8% | $2,954-59.1% | $2,019-40.1% |
| Participant deferral / active EE | $2,728 | $4,014-32.0% | $5,098-46.5% | $3,358-18.8% |
| Admin fee / account holder | $5,455 | $3,774+44.6% | $12,098-54.9% | $3,203+70.3% |