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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 | $71,341 | $81,403-12.4% | $147,027-51.5% | $87,485-18.5% |
| Participation rate | 31.6% | 63.4%-31.9pp | 73.7%-42.2pp | 68.9%-37.4pp |
| Annual return | 19.19% | 16.51%+2.7pp | 20.23%-1.0pp | 26.06%-6.9pp |
| Employer contribution / active EE | $1,145 | $2,205-48.1% | $3,626-68.4% | $2,596-55.9% |
| Participant deferral / active EE | $2,062 | $3,315-37.8% | $4,933-58.2% | $4,274-51.7% |
| Admin fee / account holder | $1,857 | $6,755-72.5% | $12,223-84.8% | $7,775-76.1% |