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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 | $71,184 | $76,834-7.4% | $108,359-34.3% | $87,485-18.6% |
| Participation rate | 56.1% | 61.7%-5.7pp | 70.1%-14.1pp | 68.9%-12.9pp |
| Annual return | 15.75% | 19.09%-3.3pp | 36.89%-21.1pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,503 | $1,556-3.4% | $2,399-37.3% | $2,596-42.1% |
| Participant deferral / active EE | $3,704 | $3,100+19.5% | $4,137-10.5% | $4,274-13.3% |
| Admin fee / account holder | $10,371 | $6,537+58.7% | $9,741+6.5% | $7,775+33.4% |