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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 | $76,870 | $45,312+69.6% | $86,233-10.9% | $67,986+13.1% |
| Participation rate | 27.3% | 42.4%-15.1pp | 69.0%-41.7pp | 57.2%-29.9pp |
| Annual return | 18.22% | 24.79%-6.6pp | 61.39%-43.2pp | 31.67%-13.4pp |
| Employer contribution / active EE | $1,190 | $1,160+2.6% | $2,504-52.5% | $2,019-41.1% |
| Participant deferral / active EE | $2,561 | $2,185+17.2% | $4,559-43.8% | $3,358-23.7% |
| Admin fee / account holder | $2,190 | $3,295-33.5% | $8,342-73.7% | $3,203-31.6% |