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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 | $67,823 | $118,467-42.7% | $98,450-31.1% | $139,456-51.4% |
| Participation rate | 66.7% | 77.5%-10.8pp | 75.2%-8.5pp | 80.3%-13.7pp |
| Annual return | 16.40% | 18.95%-2.5pp | 21.16%-4.8pp | 373.45%-357.0pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $5,252 | $5,393-2.6% | $4,739+10.8% | $6,711-21.7% |
| Admin fee / account holder | $436 | $14,057-96.9% | $8,961-95.1% | $11,407-96.2% |