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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 | $77,577 | $72,607+6.8% | $90,259-14.1% | $87,485-11.3% |
| Participation rate | 35.5% | 64.8%-29.3pp | 70.7%-35.3pp | 68.9%-33.4pp |
| Annual return | 16.48% | 18.59%-2.1pp | 18.88%-2.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,102 | $1,919-42.6% | $2,291-51.9% | $2,596-57.6% |
| Participant deferral / active EE | $1,722 | $3,055-43.6% | $3,827-55.0% | $4,274-59.7% |
| Admin fee / account holder | $2,407 | $5,947-59.5% | $7,267-66.9% | $7,775-69.0% |