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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 | $69,713 | $81,457-14.4% | $103,378-32.6% | $80,911-13.8% |
| Participation rate | 58.1% | 66.8%-8.8pp | 74.5%-16.4pp | 67.6%-9.6pp |
| Annual return | 13.53% | 25.58%-12.0pp | 24.91%-11.4pp | 35.63%-22.1pp |
| Employer contribution / active EE | $2,558 | $3,107-17.7% | $3,870-33.9% | $2,756-7.2% |
| Participant deferral / active EE | $4,589 | $3,871+18.6% | $5,058-9.3% | $4,297+6.8% |
| Admin fee / account holder | $3,490 | $6,717-48.0% | $8,401-58.5% | $6,935-49.7% |