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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 | $68,095 | $76,112-10.5% | $96,544-29.5% | $71,529-4.8% |
| Participation rate | 66.3% | 74.4%-8.1pp | 76.0%-9.6pp | 67.9%-1.6pp |
| Annual return | 17.28% | 22.80%-5.5pp | 25.88%-8.6pp | 28.97%-11.7pp |
| Employer contribution / active EE | $1,640 | $2,248-27.1% | $2,966-44.7% | $2,590-36.7% |
| Participant deferral / active EE | $3,379 | $4,217-19.9% | $4,851-30.4% | $4,291-21.3% |
| Admin fee / account holder | $2,396 | $2,708-11.5% | $8,254-71.0% | $1,588+50.8% |