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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 | $63,859 | $56,438+13.1% | $76,902-17.0% | $71,529-10.7% |
| Participation rate | 35.9% | 64.3%-28.4pp | 69.6%-33.7pp | 67.9%-32.1pp |
| Annual return | 16.18% | 19.05%-2.9pp | 37.91%-21.7pp | 28.97%-12.8pp |
| Employer contribution / active EE | $1,129 | $1,864-39.4% | $2,534-55.4% | $2,590-56.4% |
| Participant deferral / active EE | $2,496 | $3,136-20.4% | $3,833-34.9% | $4,291-41.8% |
| Admin fee / account holder | $1,714 | $1,430+19.8% | $5,479-68.7% | $1,588+7.9% |