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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 | $59,917 | $49,025+22.2% | $87,502-31.5% | $62,881-4.7% |
| Participation rate | 58.5% | 64.9%-6.3pp | 73.8%-15.3pp | 69.3%-10.8pp |
| Annual return | 6.01% | 10.02%-4.0pp | 12.21%-6.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $824 | $1,372-40.0% | $2,550-67.7% | $2,281-63.9% |
| Participant deferral / active EE | $1,798 | $2,289-21.5% | $3,149-42.9% | $3,203-43.9% |
| Admin fee / account holder | $627 | $4,065-84.6% | $4,221-85.1% | $4,296-85.4% |