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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 | $59,285 | $81,487-27.2% | $102,412-42.1% | $80,935-26.8% |
| Participation rate | 65.0% | 66.8%-1.8pp | 74.5%-9.5pp | 67.7%-2.7pp |
| Annual return | 11.07% | 25.60%-14.5pp | 24.94%-13.9pp | 35.66%-24.6pp |
| Employer contribution / active EE | $1,646 | $3,103-46.9% | $3,870-57.5% | $2,757-40.3% |
| Participant deferral / active EE | $3,329 | $3,871-14.0% | $5,060-34.2% | $4,299-22.6% |
| Admin fee / account holder | $2,929 | $6,717-56.4% | $8,388-65.1% | $6,924-57.7% |