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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 | $70,971 | $81,487-12.9% | $102,412-30.7% | $80,935-12.3% |
| Participation rate | 62.8% | 66.8%-4.0pp | 74.5%-11.7pp | 67.7%-4.9pp |
| Annual return | 12.60% | 25.60%-13.0pp | 24.94%-12.3pp | 35.66%-23.1pp |
| Employer contribution / active EE | $2,428 | $3,103-21.7% | $3,870-37.2% | $2,757-11.9% |
| Participant deferral / active EE | $4,365 | $3,871+12.8% | $5,060-13.7% | $4,299+1.5% |
| Admin fee / account holder | $5,364 | $6,717-20.2% | $8,388-36.1% | $6,924-22.5% |