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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 | $72,225 | $56,894+26.9% | $84,753-14.8% | $62,881+14.9% |
| Participation rate | 30.6% | 68.5%-37.9pp | 76.6%-46.0pp | 69.3%-38.7pp |
| Annual return | 11.99% | 6.30%+5.7pp | 22.78%-10.8pp | 20.14%-8.2pp |
| Employer contribution / active EE | $955 | $2,400-60.2% | $3,574-73.3% | $2,281-58.1% |
| Participant deferral / active EE | $2,148 | $2,709-20.7% | $3,712-42.1% | $3,203-32.9% |
| Admin fee / account holder | $3,072 | $3,581-14.2% | $5,333-42.4% | $4,296-28.5% |