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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 | $73,051 | $65,027+12.3% | $90,970-19.7% | $79,852-8.5% |
| Participation rate | 39.5% | 61.6%-22.1pp | 69.0%-29.5pp | 69.6%-30.1pp |
| Annual return | 14.83% | 30.45%-15.6pp | 134.58%-119.8pp | 31.72%-16.9pp |
| Employer contribution / active EE | $1,386 | $1,247+11.1% | $2,122-34.7% | $2,471-43.9% |
| Participant deferral / active EE | $2,563 | $2,512+2.0% | $3,373-24.0% | $3,740-31.5% |
| Admin fee / account holder | $1,536 | $4,535-66.1% | $5,960-74.2% | $5,306-71.1% |