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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 | $60,664 | $58,493+3.7% | $84,023-27.8% | $72,976-16.9% |
| Participation rate | 58.3% | 61.2%-2.9pp | 69.0%-10.7pp | 69.5%-11.2pp |
| Annual return | 19.52% | 28.93%-9.4pp | 71.32%-51.8pp | 81.02%-61.5pp |
| Employer contribution / active EE | $851 | $1,163-26.8% | $1,984-57.1% | $2,440-65.1% |
| Participant deferral / active EE | $1,884 | $2,394-21.3% | $3,239-41.8% | $3,608-47.8% |
| Admin fee / account holder | $1,712 | $4,569-62.5% | $6,102-71.9% | $5,124-66.6% |