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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 | $58,203 | $64,890-10.3% | $134,172-56.6% | $67,986-14.4% |
| Participation rate | 68.2% | 48.5%+19.6pp | 72.5%-4.3pp | 57.2%+11.0pp |
| Annual return | 17.26% | 16.12%+1.1pp | 25.30%-8.0pp | 31.67%-14.4pp |
| Employer contribution / active EE | $754 | $1,360-44.6% | $3,420-78.0% | $2,019-62.7% |
| Participant deferral / active EE | $3,931 | $2,289+71.8% | $4,690-16.2% | $3,358+17.1% |
| Admin fee / account holder | $4,059 | $3,140+29.2% | $12,016-66.2% | $3,203+26.7% |