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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 | $80,949 | $72,027+12.4% | $185,861-56.4% | $79,856+1.4% |
| Participation rate | 48.4% | 65.8%-17.4pp | 78.0%-29.7pp | 69.6%-21.3pp |
| Annual return | 21.77% | 23.13%-1.4pp | 35.96%-14.2pp | 31.71%-9.9pp |
| Employer contribution / active EE | $762 | $1,965-61.2% | $4,088-81.4% | $2,471-69.2% |
| Participant deferral / active EE | $1,616 | $3,780-57.2% | $5,634-71.3% | $3,741-56.8% |
| Admin fee / account holder | $3,429 | $4,513-24.0% | $9,503-63.9% | $5,306-35.4% |