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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 | $79,249 | $56,894+39.3% | $84,753-6.5% | $62,881+26.0% |
| Participation rate | 44.4% | 68.5%-24.1pp | 76.6%-32.1pp | 69.3%-24.9pp |
| Annual return | 7.81% | 6.30%+1.5pp | 22.78%-15.0pp | 20.14%-12.3pp |
| Employer contribution / active EE | $986 | $2,400-58.9% | $3,574-72.4% | $2,281-56.8% |
| Participant deferral / active EE | $1,489 | $2,709-45.0% | $3,712-59.9% | $3,203-53.5% |
| Admin fee / account holder | $1,559 | $3,581-56.5% | $5,333-70.8% | $4,296-63.7% |