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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 | $74,837 | $72,273+3.5% | $101,275-26.1% | $79,856-6.3% |
| Participation rate | 63.0% | 68.5%-5.4pp | 75.8%-12.8pp | 69.6%-6.6pp |
| Annual return | 14.71% | 22.30%-7.6pp | 46.48%-31.8pp | 31.71%-17.0pp |
| Employer contribution / active EE | $1,192 | $2,691-55.7% | $3,660-67.4% | $2,471-51.8% |
| Participant deferral / active EE | $2,736 | $3,282-16.6% | $4,371-37.4% | $3,741-26.9% |
| Admin fee / account holder | $6,475 | $4,401+47.1% | $5,948+8.9% | $5,306+22.0% |