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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 | $72,342 | $58,493+23.7% | $84,023-13.9% | $72,976-0.9% |
| Participation rate | 38.7% | 61.2%-22.5pp | 69.0%-30.3pp | 69.5%-30.8pp |
| Annual return | 20.26% | 28.93%-8.7pp | 71.32%-51.1pp | 81.02%-60.8pp |
| Employer contribution / active EE | $1,261 | $1,163+8.4% | $1,984-36.4% | $2,440-48.3% |
| Participant deferral / active EE | $3,404 | $2,394+42.2% | $3,239+5.1% | $3,608-5.6% |
| Admin fee / account holder | $4,769 | $4,569+4.4% | $6,102-21.8% | $5,124-6.9% |