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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 | $62,782 | $85,515-26.6% | $112,040-44.0% | $67,986-7.7% |
| Participation rate | 63.4% | 68.2%-4.8pp | 76.5%-13.1pp | 57.2%+6.2pp |
| Annual return | 14.58% | 29.68%-15.1pp | 24.52%-9.9pp | 31.67%-17.1pp |
| Employer contribution / active EE | $1,640 | $2,191-25.1% | $2,954-44.5% | $2,019-18.7% |
| Participant deferral / active EE | $1,795 | $4,014-55.3% | $5,098-64.8% | $3,358-46.5% |
| Admin fee / account holder | $8,931 | $3,774+136.7% | $12,098-26.2% | $3,203+178.8% |