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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 | $80,205 | $47,848+67.6% | $81,473-1.6% | $70,126+14.4% |
| Participation rate | 23.7% | 58.3%-34.6pp | 68.0%-44.3pp | 69.5%-45.9pp |
| Annual return | 30.99% | 27.25%+3.7pp | 38.78%-7.8pp | 73.15%-42.2pp |
| Employer contribution / active EE | $701 | $1,527-54.1% | $2,568-72.7% | $2,343-70.1% |
| Participant deferral / active EE | $1,731 | $2,453-29.4% | $3,537-51.1% | $3,332-48.0% |
| Admin fee / account holder | $3,410 | $3,145+8.4% | $4,561-25.2% | $4,645-26.6% |