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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 | $83,484 | $95,762-12.8% | $379,746-78.0% | $79,852+4.5% |
| Participation rate | 46.3% | 74.0%-27.7pp | 78.4%-32.2pp | 69.6%-23.4pp |
| Annual return | 19.28% | 18.26%+1.0pp | 34.90%-15.6pp | 31.72%-12.4pp |
| Employer contribution / active EE | $1,812 | $2,695-32.8% | $3,540-48.8% | $2,471-26.7% |
| Participant deferral / active EE | $4,344 | $4,705-7.7% | $6,024-27.9% | $3,740+16.1% |
| Admin fee / account holder | $392 | $6,745-94.2% | $7,927-95.0% | $5,306-92.6% |