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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 | $72,426 | $81,504-11.1% | $102,437-29.3% | $80,959-10.5% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.7%-27.1pp |
| Annual return | 25.82% | 25.60%+0.2pp | 24.95%+0.9pp | 35.67%-9.8pp |
| Employer contribution / active EE | $1,984 | $3,104-36.1% | $3,871-48.8% | $2,757-28.1% |
| Participant deferral / active EE | $4,004 | $3,871+3.4% | $5,060-20.9% | $4,300-6.9% |
| Admin fee / account holder | $1,974 | $6,719-70.6% | $8,388-76.5% | $6,925-71.5% |