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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 | $68,271 | $73,787-7.5% | $98,716-30.8% | $82,448-17.2% |
| Participation rate | 67.0% | 61.4%+5.6pp | 69.3%-2.3pp | 68.1%-1.0pp |
| Annual return | 15.67% | 18.57%-2.9pp | 31.81%-16.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $889 | $1,511-41.2% | $2,279-61.0% | $2,551-65.1% |
| Participant deferral / active EE | $2,380 | $3,081-22.8% | $4,048-41.2% | $4,139-42.5% |
| Admin fee / account holder | $4,324 | $6,500-33.5% | $8,703-50.3% | $7,234-40.2% |