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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 | $78,164 | $65,364+19.6% | $92,909-15.9% | $72,975+7.1% |
| Participation rate | 26.5% | 68.3%-41.8pp | 76.0%-49.5pp | 69.5%-43.0pp |
| Annual return | 18.95% | 42.11%-23.2pp | 109.44%-90.5pp | 81.01%-62.1pp |
| Employer contribution / active EE | $725 | $2,594-72.0% | $3,653-80.1% | $2,440-70.3% |
| Participant deferral / active EE | $2,327 | $3,128-25.6% | $4,238-45.1% | $3,608-35.5% |
| Admin fee / account holder | $7,975 | $4,251+87.6% | $5,795+37.6% | $5,124+55.6% |