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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 | $76,381 | $110,137-30.6% | $161,149-52.6% | $82,637-7.6% |
| Participation rate | 68.6% | 72.4%-3.8pp | 78.8%-10.3pp | 68.1%+0.5pp |
| Annual return | 17.57% | 20.69%-3.1pp | 21.16%-3.6pp | 53.51%-35.9pp |
| Employer contribution / active EE | $1,694 | $2,856-40.7% | $4,360-61.2% | $2,552-33.6% |
| Participant deferral / active EE | $4,258 | $4,575-6.9% | $6,153-30.8% | $4,126+3.2% |
| Admin fee / account holder | $914 | $9,467-90.3% | $15,194-94.0% | $7,339-87.5% |