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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 | $65,467 | $76,550-14.5% | $123,894-47.2% | $62,881+4.1% |
| Participation rate | 33.3% | 73.0%-39.6pp | 81.4%-48.1pp | 69.3%-36.0pp |
| Annual return | 9.98% | 18.67%-8.7pp | 47.52%-37.5pp | 20.14%-10.2pp |
| Employer contribution / active EE | $807 | $2,882-72.0% | $4,617-82.5% | $2,281-64.6% |
| Participant deferral / active EE | $2,127 | $4,840-56.1% | $5,984-64.5% | $3,203-33.6% |
| Admin fee / account holder | $3,785 | $4,826-21.6% | $8,357-54.7% | $4,296-11.9% |