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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 | $84,546 | $56,894+48.6% | $84,753-0.2% | $62,881+34.5% |
| Participation rate | 39.6% | 68.5%-29.0pp | 76.6%-37.0pp | 69.3%-29.7pp |
| Annual return | 7.49% | 6.30%+1.2pp | 22.78%-15.3pp | 20.14%-12.7pp |
| Employer contribution / active EE | $896 | $2,400-62.6% | $3,574-74.9% | $2,281-60.7% |
| Participant deferral / active EE | $1,705 | $2,709-37.1% | $3,712-54.1% | $3,203-46.8% |
| Admin fee / account holder | $7,274 | $3,581+103.1% | $5,333+36.4% | $4,296+69.3% |