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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 | $62,129 | $80,992-23.3% | $96,534-35.6% | $75,173-17.4% |
| Participation rate | 67.4% | 71.8%-4.3pp | 76.0%-8.5pp | 67.2%+0.2pp |
| Annual return | 14.29% | 27.05%-12.8pp | 25.88%-11.6pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,465 | $2,283-35.8% | $2,965-50.6% | $2,671-45.1% |
| Participant deferral / active EE | $3,606 | $3,929-8.2% | $4,851-25.7% | $4,126-12.6% |
| Admin fee / account holder | $1,073 | $6,717-84.0% | $8,253-87.0% | $5,651-81.0% |