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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 | $67,686 | $48,364+40.0% | $71,796-5.7% | $62,881+7.6% |
| Participation rate | 40.5% | 60.6%-20.1pp | 69.1%-28.6pp | 69.3%-28.8pp |
| Annual return | 5.09% | 13.16%-8.1pp | 78.04%-72.9pp | 20.14%-15.0pp |
| Employer contribution / active EE | $1,129 | $1,042+8.4% | $1,924-41.3% | $2,281-50.5% |
| Participant deferral / active EE | $2,102 | $2,091+0.5% | $2,794-24.8% | $3,203-34.4% |
| Admin fee / account holder | $2,775 | $3,771-26.4% | $4,815-42.4% | $4,296-35.4% |