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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 | $73,444 | $68,607+7.1% | $147,027-50.0% | $64,340+14.1% |
| Participation rate | 41.8% | 50.4%-8.6pp | 73.7%-31.9pp | 55.2%-13.4pp |
| Annual return | 15.41% | 13.75%+1.7pp | 20.23%-4.8pp | 24.14%-8.7pp |
| Employer contribution / active EE | $665 | $1,554-57.2% | $3,626-81.7% | $1,862-64.3% |
| Participant deferral / active EE | $1,671 | $2,402-30.4% | $4,933-66.1% | $2,980-43.9% |
| Admin fee / account holder | $1,563 | $3,287-52.5% | $12,223-87.2% | $3,703-57.8% |