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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 | $65,206 | $56,894+14.6% | $84,753-23.1% | $62,881+3.7% |
| Participation rate | 56.4% | 68.5%-12.1pp | 76.6%-20.2pp | 69.3%-12.9pp |
| Annual return | 8.07% | 6.30%+1.8pp | 22.78%-14.7pp | 20.14%-12.1pp |
| Employer contribution / active EE | $1,204 | $2,400-49.8% | $3,574-66.3% | $2,281-47.2% |
| Participant deferral / active EE | $2,495 | $2,709-7.9% | $3,712-32.8% | $3,203-22.1% |
| Admin fee / account holder | $1,221 | $3,581-65.9% | $5,333-77.1% | $4,296-71.6% |