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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 | $75,049 | $56,894+31.9% | $84,753-11.4% | $62,881+19.4% |
| Participation rate | 51.4% | 68.5%-17.2pp | 76.6%-25.2pp | 69.3%-18.0pp |
| Annual return | 6.61% | 6.30%+0.3pp | 22.78%-16.2pp | 20.14%-13.5pp |
| Employer contribution / active EE | $620 | $2,400-74.2% | $3,574-82.7% | $2,281-72.8% |
| Participant deferral / active EE | $2,140 | $2,709-21.0% | $3,712-42.3% | $3,203-33.2% |
| Admin fee / account holder | $7,609 | $3,581+112.5% | $5,333+42.7% | $4,296+77.1% |