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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 | $68,222 | $56,894+19.9% | $84,753-19.5% | $62,881+8.5% |
| Participation rate | 55.7% | 68.5%-12.8pp | 76.6%-20.9pp | 69.3%-13.6pp |
| Annual return | 5.43% | 6.30%-0.9pp | 22.78%-17.4pp | 20.14%-14.7pp |
| Employer contribution / active EE | $820 | $2,400-65.8% | $3,574-77.1% | $2,281-64.0% |
| Participant deferral / active EE | $2,998 | $2,709+10.7% | $3,712-19.2% | $3,203-6.4% |
| Admin fee / account holder | $4,955 | $3,581+38.4% | $5,333-7.1% | $4,296+15.3% |