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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 | $77,986 | $49,025+59.1% | $87,502-10.9% | $62,881+24.0% |
| Participation rate | 69.8% | 64.9%+4.9pp | 73.8%-4.0pp | 69.3%+0.5pp |
| Annual return | 7.24% | 10.02%-2.8pp | 12.21%-5.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $915 | $1,372-33.3% | $2,550-64.1% | $2,281-59.9% |
| Participant deferral / active EE | $1,935 | $2,289-15.5% | $3,149-38.5% | $3,203-39.6% |
| Admin fee / account holder | $2,762 | $4,065-32.1% | $4,221-34.6% | $4,296-35.7% |