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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 | $75,942 | $52,306+45.2% | $69,779+8.8% | $62,881+20.8% |
| Participation rate | 47.9% | 67.2%-19.4pp | 71.8%-24.0pp | 69.3%-21.4pp |
| Annual return | 7.00% | 13.35%-6.4pp | 12.99%-6.0pp | 20.14%-13.1pp |
| Employer contribution / active EE | $475 | $1,799-73.6% | $2,338-79.7% | $2,281-79.2% |
| Participant deferral / active EE | $2,562 | $2,395+7.0% | $2,931-12.6% | $3,203-20.0% |
| Admin fee / account holder | $7,097 | $3,691+92.3% | $4,381+62.0% | $4,296+65.2% |