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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 | $87,295 | $95,453-8.5% | $112,040-22.1% | $82,448+5.9% |
| Participation rate | 50.8% | 72.8%-21.9pp | 76.5%-25.6pp | 68.1%-17.2pp |
| Annual return | 13.08% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $769 | $2,318-66.8% | $2,954-74.0% | $2,551-69.9% |
| Participant deferral / active EE | $2,462 | $4,224-41.7% | $5,098-51.7% | $4,139-40.5% |
| Admin fee / account holder | $5,542 | $9,013-38.5% | $12,098-54.2% | $7,234-23.4% |