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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 | $68,000 | $81,457-16.5% | $103,378-34.2% | $80,911-16.0% |
| Participation rate | 60.5% | 66.8%-6.3pp | 74.5%-14.0pp | 67.6%-7.1pp |
| Annual return | 12.14% | 25.58%-13.4pp | 24.91%-12.8pp | 35.63%-23.5pp |
| Employer contribution / active EE | $2,428 | $3,107-21.9% | $3,870-37.3% | $2,756-11.9% |
| Participant deferral / active EE | $6,132 | $3,871+58.4% | $5,058+21.2% | $4,297+42.7% |
| Admin fee / account holder | $2,627 | $6,717-60.9% | $8,401-68.7% | $6,935-62.1% |