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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 | $61,097 | $49,025+24.6% | $87,502-30.2% | $62,881-2.8% |
| Participation rate | 68.0% | 64.9%+3.1pp | 73.8%-5.8pp | 69.3%-1.3pp |
| Annual return | 7.73% | 10.02%-2.3pp | 12.21%-4.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $460 | $1,372-66.5% | $2,550-82.0% | $2,281-79.8% |
| Participant deferral / active EE | $1,724 | $2,289-24.7% | $3,149-45.2% | $3,203-46.2% |
| Admin fee / account holder | $5,680 | $4,065+39.7% | $4,221+34.6% | $4,296+32.2% |