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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 | $69,472 | $63,355+9.7% | $91,994-24.5% | $72,983-4.8% |
| Participation rate | 52.1% | 72.5%-20.4pp | 78.6%-26.5pp | 69.5%-17.4pp |
| Annual return | 23.13% | 35.35%-12.2pp | 69.03%-45.9pp | 81.01%-57.9pp |
| Employer contribution / active EE | $973 | $2,116-54.0% | $3,452-71.8% | $2,440-60.1% |
| Participant deferral / active EE | $3,137 | $4,883-35.7% | $5,923-47.0% | $3,608-13.0% |
| Admin fee / account holder | $997 | $4,668-78.6% | $7,743-87.1% | $5,124-80.5% |