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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 | $84,911 | $41,016+107.0% | $152,093-44.2% | $64,097+32.5% |
| Participation rate | 59.7% | 51.3%+8.3pp | 77.8%-18.1pp | 55.2%+4.5pp |
| Annual return | 12.11% | 39.60%-27.5pp | 66.36%-54.2pp | 34.64%-22.5pp |
| Employer contribution / active EE | $934 | $1,342-30.4% | $4,175-77.6% | $1,891-50.6% |
| Participant deferral / active EE | $2,351 | $1,927+22.0% | $5,451-56.9% | $3,080-23.7% |
| Admin fee / account holder | $7,164 | $2,305+210.8% | $14,497-50.6% | $3,454+107.4% |