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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 | $77,542 | $72,492+7.0% | $87,102-11.0% | $72,983+6.2% |
| Participation rate | 64.4% | 72.8%-8.4pp | 76.9%-12.4pp | 69.5%-5.0pp |
| Annual return | 20.83% | 24.46%-3.6pp | 28.19%-7.4pp | 81.01%-60.2pp |
| Employer contribution / active EE | $782 | $1,894-58.7% | $2,521-69.0% | $2,440-67.9% |
| Participant deferral / active EE | $1,743 | $3,270-46.7% | $4,048-56.9% | $3,608-51.7% |
| Admin fee / account holder | $2,809 | $5,055-44.4% | $7,491-62.5% | $5,124-45.2% |