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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 | $79,446 | $78,428+1.3% | $95,960-17.2% | $79,852-0.5% |
| Participation rate | 40.0% | 73.5%-33.5pp | 77.1%-37.1pp | 69.6%-29.6pp |
| Annual return | 12.74% | 19.37%-6.6pp | 91.63%-78.9pp | 31.72%-19.0pp |
| Employer contribution / active EE | $1,483 | $1,945-23.8% | $2,541-41.7% | $2,471-40.0% |
| Participant deferral / active EE | $2,744 | $3,440-20.2% | $4,167-34.2% | $3,740-26.6% |
| Admin fee / account holder | $2,706 | $5,622-51.9% | $6,797-60.2% | $5,306-49.0% |