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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 | $66,678 | $79,867-16.5% | $120,344-44.6% | $64,340+3.6% |
| Participation rate | 64.9% | 63.0%+2.0pp | 76.7%-11.8pp | 55.2%+9.7pp |
| Annual return | 16.92% | 21.10%-4.2pp | 20.30%-3.4pp | 24.14%-7.2pp |
| Employer contribution / active EE | $576 | $1,925-70.1% | $3,020-80.9% | $1,862-69.0% |
| Participant deferral / active EE | $6,520 | $3,593+81.5% | $5,135+27.0% | $2,980+118.8% |
| Admin fee / account holder | $7,245 | $5,039+43.8% | $12,742-43.1% | $3,703+95.7% |