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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 | $70,388 | $86,330-18.5% | $121,871-42.2% | $94,015-25.1% |
| Participation rate | 31.0% | 66.7%-35.6pp | 73.2%-42.2pp | 70.8%-39.8pp |
| Annual return | 15.85% | 14.95%+0.9pp | 13.57%+2.3pp | 17.84%-2.0pp |
| Employer contribution / active EE | $1,644 | $2,292-28.3% | $2,731-39.8% | $2,790-41.1% |
| Participant deferral / active EE | $2,086 | $3,146-33.7% | $4,318-51.7% | $4,249-50.9% |
| Admin fee / account holder | $796 | $7,346-89.2% | $11,551-93.1% | $8,951-91.1% |