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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 | $63,818 | $78,027-18.2% | $178,528-64.3% | $80,925-21.1% |
| Participation rate | 63.9% | 65.7%-1.8pp | 77.1%-13.2pp | 67.7%-3.8pp |
| Annual return | 11.78% | 18.09%-6.3pp | 27.11%-15.3pp | 35.65%-23.9pp |
| Employer contribution / active EE | $1,883 | $2,281-17.5% | $3,950-52.3% | $2,756-31.7% |
| Participant deferral / active EE | $4,244 | $4,408-3.7% | $6,278-32.4% | $4,299-1.3% |
| Admin fee / account holder | $4,011 | $7,168-44.0% | $10,419-61.5% | $6,940-42.2% |