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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 | $76,090-10.5% | $96,569-29.5% | $71,476-4.7% |
| Participation rate | 66.3% | 74.4%-8.1pp | 76.0%-9.6pp | 67.9%-1.6pp |
| Annual return | 17.28% | 22.80%-5.5pp | 25.87%-8.6pp | 28.85%-11.6pp |
| Employer contribution / active EE | $1,640 | $2,247-27.0% | $2,965-44.7% | $2,589-36.7% |
| Participant deferral / active EE | $3,379 | $4,218-19.9% | $4,851-30.3% | $4,290-21.2% |
| Admin fee / account holder | $2,396 | $2,707-11.5% | $8,251-71.0% | $1,587+50.9% |