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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 | $92,290 | $58,512+57.7% | $84,016+9.8% | $72,986+26.4% |
| Participation rate | 65.5% | 61.2%+4.2pp | 69.0%-3.5pp | 69.5%-4.0pp |
| Annual return | 22.60% | 28.93%-6.3pp | 71.31%-48.7pp | 81.01%-58.4pp |
| Employer contribution / active EE | $792 | $1,163-31.9% | $1,983-60.0% | $2,440-67.5% |
| Participant deferral / active EE | $2,741 | $2,394+14.5% | $3,239-15.4% | $3,607-24.0% |
| Admin fee / account holder | $3,500 | $4,569-23.4% | $6,101-42.6% | $5,124-31.7% |