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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 | $75,871 | $76,834-1.3% | $108,359-30.0% | $87,485-13.3% |
| Participation rate | 63.0% | 61.7%+1.3pp | 70.1%-7.1pp | 68.9%-5.9pp |
| Annual return | 16.20% | 19.09%-2.9pp | 36.89%-20.7pp | 26.06%-9.9pp |
| Employer contribution / active EE | $615 | $1,556-60.5% | $2,399-74.4% | $2,596-76.3% |
| Participant deferral / active EE | $3,412 | $3,100+10.1% | $4,137-17.5% | $4,274-20.1% |
| Admin fee / account holder | $3,117 | $6,537-52.3% | $9,741-68.0% | $7,775-59.9% |