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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 | $68,677 | $43,075+59.4% | $74,577-7.9% | $62,881+9.2% |
| Participation rate | 40.7% | 58.1%-17.3pp | 68.1%-27.4pp | 69.3%-28.6pp |
| Annual return | 19.84% | 17.50%+2.3pp | 20.47%-0.6pp | 20.14%-0.3pp |
| Employer contribution / active EE | $1,505 | $1,498+0.5% | $2,525-40.4% | $2,281-34.0% |
| Participant deferral / active EE | $0 | $2,389-100.0% | $3,458-100.0% | $3,203-100.0% |
| Admin fee / account holder | $1,051 | $2,840-63.0% | $4,138-74.6% | $4,296-75.5% |