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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 | $67,467 | $81,276-17.0% | $155,574-56.6% | $80,925-16.6% |
| Participation rate | 63.8% | 66.2%-2.5pp | 78.2%-14.4pp | 67.7%-3.9pp |
| Annual return | 14.96% | 33.36%-18.4pp | 64.87%-49.9pp | 35.65%-20.7pp |
| Employer contribution / active EE | $2,103 | $3,103-32.2% | $4,676-55.0% | $2,756-23.7% |
| Participant deferral / active EE | $3,834 | $3,453+11.1% | $5,629-31.9% | $4,299-10.8% |
| Admin fee / account holder | $9,944 | $7,993+24.4% | $15,914-37.5% | $6,940+43.3% |