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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 | $64,240 | $73,787-12.9% | $98,716-34.9% | $82,448-22.1% |
| Participation rate | 38.6% | 61.4%-22.8pp | 69.3%-30.7pp | 68.1%-29.4pp |
| Annual return | 17.18% | 18.57%-1.4pp | 31.81%-14.6pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,363 | $1,511-9.8% | $2,279-40.2% | $2,551-46.6% |
| Participant deferral / active EE | $1,974 | $3,081-35.9% | $4,048-51.2% | $4,139-52.3% |
| Admin fee / account holder | $6,980 | $6,500+7.4% | $8,703-19.8% | $7,234-3.5% |