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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 | $75,207 | $76,407-1.6% | $150,298-50.0% | $82,448-8.8% |
| Participation rate | 63.5% | 66.4%-2.9pp | 77.8%-14.3pp | 68.1%-4.6pp |
| Annual return | 16.76% | 39.99%-23.2pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,605 | $2,614-38.6% | $4,154-61.4% | $2,551-37.1% |
| Participant deferral / active EE | $5,180 | $3,214+61.2% | $5,453-5.0% | $4,139+25.1% |
| Admin fee / account holder | $1,425 | $6,352-77.6% | $14,116-89.9% | $7,234-80.3% |