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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 | $72,672 | $58,099+25.1% | $76,872-5.5% | $75,173-3.3% |
| Participation rate | 52.1% | 63.9%-11.8pp | 69.6%-17.5pp | 67.2%-15.1pp |
| Annual return | 15.25% | 26.71%-11.5pp | 37.90%-22.7pp | 160.72%-145.5pp |
| Employer contribution / active EE | $899 | $1,996-54.9% | $2,533-64.5% | $2,671-66.3% |
| Participant deferral / active EE | $2,665 | $2,999-11.1% | $3,832-30.5% | $4,126-35.4% |
| Admin fee / account holder | $3,934 | $4,778-17.7% | $5,476-28.2% | $5,651-30.4% |