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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 | $68,827 | $81,487-15.5% | $102,412-32.8% | $80,935-15.0% |
| Participation rate | 64.0% | 66.8%-2.8pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 14.75% | 25.60%-10.8pp | 24.94%-10.2pp | 35.66%-20.9pp |
| Employer contribution / active EE | $2,795 | $3,103-9.9% | $3,870-27.8% | $2,757+1.4% |
| Participant deferral / active EE | $5,311 | $3,871+37.2% | $5,060+5.0% | $4,299+23.5% |
| Admin fee / account holder | $433 | $6,717-93.6% | $8,388-94.8% | $6,924-93.7% |