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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 | $62,825 | $97,550-35.6% | $120,344-47.8% | $87,485-28.2% |
| Participation rate | 65.3% | 72.8%-7.6pp | 76.7%-11.4pp | 68.9%-3.7pp |
| Annual return | 13.59% | 18.41%-4.8pp | 20.30%-6.7pp | 26.06%-12.5pp |
| Employer contribution / active EE | $1,958 | $2,291-14.5% | $3,020-35.2% | $2,596-24.6% |
| Participant deferral / active EE | $5,137 | $4,230+21.4% | $5,1350% | $4,274+20.2% |
| Admin fee / account holder | $4,039 | $9,543-57.7% | $12,742-68.3% | $7,775-48.1% |