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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 | $66,635 | $72,492-8.1% | $87,104-23.5% | $72,975-8.7% |
| Participation rate | 58.8% | 72.8%-14.0pp | 76.9%-18.0pp | 69.5%-10.7pp |
| Annual return | 19.12% | 24.46%-5.3pp | 28.19%-9.1pp | 81.01%-61.9pp |
| Employer contribution / active EE | $1,922 | $1,894+1.5% | $2,521-23.8% | $2,440-21.2% |
| Participant deferral / active EE | $3,251 | $3,270-0.6% | $4,048-19.7% | $3,608-9.9% |
| Admin fee / account holder | $1,502 | $5,055-70.3% | $7,491-79.9% | $5,124-70.7% |