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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 | $77,219 | $86,940-11.2% | $102,434-24.6% | $80,935-4.6% |
| Participation rate | 65.1% | 72.4%-7.3pp | 76.5%-11.4pp | 67.7%-2.5pp |
| Annual return | 12.68% | 18.89%-6.2pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,530 | $2,370-35.4% | $3,023-49.4% | $2,757-44.5% |
| Participant deferral / active EE | $2,920 | $4,121-29.1% | $5,055-42.2% | $4,299-32.1% |
| Admin fee / account holder | $8,693 | $8,047+8.0% | $9,462-8.1% | $6,924+25.5% |