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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 | $67,951 | $98,766-31.2% | $149,730-54.6% | $79,852-14.9% |
| Participation rate | 67.7% | 75.8%-8.0pp | 82.5%-14.7pp | 69.6%-1.9pp |
| Annual return | 16.14% | 27.43%-11.3pp | 276.70%-260.6pp | 31.72%-15.6pp |
| Employer contribution / active EE | $1,727 | $3,217-46.3% | $4,645-62.8% | $2,471-30.1% |
| Participant deferral / active EE | $3,775 | $5,681-33.6% | $6,843-44.8% | $3,740+0.9% |
| Admin fee / account holder | $463 | $6,052-92.3% | $9,310-95.0% | $5,306-91.3% |