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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 | $81,446-1.9% | $103,374-22.7% | $80,874-1.2% |
| Participation rate | 30.5% | 66.9%-36.3pp | 74.5%-44.0pp | 67.6%-37.1pp |
| Annual return | 16.99% | 25.57%-8.6pp | 24.89%-7.9pp | 35.62%-18.6pp |
| Employer contribution / active EE | $1,863 | $3,107-40.0% | $3,869-51.9% | $2,756-32.4% |
| Participant deferral / active EE | $2,741 | $3,870-29.2% | $5,058-45.8% | $4,297-36.2% |
| Admin fee / account holder | $4,932 | $6,715-26.6% | $8,394-41.2% | $6,935-28.9% |