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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 | $81,446-11.1% | $103,374-29.9% | $80,874-10.4% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.6%-27.1pp |
| Annual return | 25.82% | 25.57%+0.3pp | 24.89%+0.9pp | 35.62%-9.8pp |
| Employer contribution / active EE | $1,984 | $3,107-36.2% | $3,869-48.7% | $2,756-28.0% |
| Participant deferral / active EE | $4,004 | $3,870+3.5% | $5,058-20.8% | $4,297-6.8% |
| Admin fee / account holder | $1,974 | $6,715-70.6% | $8,394-76.5% | $6,935-71.5% |