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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 | $67,242 | $76,407-12.0% | $150,298-55.3% | $82,448-18.4% |
| Participation rate | 60.8% | 66.4%-5.6pp | 77.8%-17.0pp | 68.1%-7.3pp |
| Annual return | 17.75% | 39.99%-22.2pp | 62.79%-45.0pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,971 | $2,614-24.6% | $4,154-52.6% | $2,551-22.7% |
| Participant deferral / active EE | $3,544 | $3,214+10.2% | $5,453-35.0% | $4,139-14.4% |
| Admin fee / account holder | $1,656 | $6,352-73.9% | $14,116-88.3% | $7,234-77.1% |