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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 | $70,751 | $85,515-17.3% | $112,040-36.9% | $67,986+4.1% |
| Participation rate | 63.3% | 68.2%-4.9pp | 76.5%-13.2pp | 57.2%+6.1pp |
| Annual return | 16.53% | 29.68%-13.1pp | 24.52%-8.0pp | 31.67%-15.1pp |
| Employer contribution / active EE | $1,753 | $2,191-20.0% | $2,954-40.7% | $2,019-13.2% |
| Participant deferral / active EE | $4,448 | $4,014+10.8% | $5,098-12.8% | $3,358+32.4% |
| Admin fee / account holder | $1,751 | $3,774-53.6% | $12,098-85.5% | $3,203-45.3% |