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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 | $79,899 | $81,504-2.0% | $102,437-22.0% | $80,959-1.3% |
| Participation rate | 30.5% | 66.9%-36.3pp | 74.5%-44.0pp | 67.7%-37.2pp |
| Annual return | 16.99% | 25.60%-8.6pp | 24.95%-8.0pp | 35.67%-18.7pp |
| Employer contribution / active EE | $1,863 | $3,104-40.0% | $3,871-51.9% | $2,757-32.4% |
| Participant deferral / active EE | $2,741 | $3,871-29.2% | $5,060-45.8% | $4,300-36.3% |
| Admin fee / account holder | $4,932 | $6,719-26.6% | $8,388-41.2% | $6,925-28.8% |