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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 | $70,085 | $54,757+28.0% | $90,304-22.4% | $72,975-4.0% |
| Participation rate | 35.7% | 65.2%-29.4pp | 73.3%-37.6pp | 69.5%-33.8pp |
| Annual return | 20.84% | 30.63%-9.8pp | 78.13%-57.3pp | 81.01%-60.2pp |
| Employer contribution / active EE | $929 | $2,093-55.6% | $2,855-67.5% | $2,440-61.9% |
| Participant deferral / active EE | $1,521 | $2,887-47.3% | $3,885-60.8% | $3,608-57.8% |
| Admin fee / account holder | $3,439 | $3,973-13.5% | $5,354-35.8% | $5,124-32.9% |