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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 | $83,987 | $56,438+48.8% | $76,872+9.3% | $71,511+17.4% |
| Participation rate | 22.7% | 64.3%-41.6pp | 69.6%-46.9pp | 67.9%-45.3pp |
| Annual return | 17.25% | 19.05%-1.8pp | 37.90%-20.7pp | 28.86%-11.6pp |
| Employer contribution / active EE | $784 | $1,864-57.9% | $2,533-69.0% | $2,589-69.7% |
| Participant deferral / active EE | $1,484 | $3,136-52.7% | $3,832-61.3% | $4,291-65.4% |
| Admin fee / account holder | $2,123 | $1,430+48.4% | $5,476-61.2% | $1,588+33.6% |