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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 | $73,896 | $76,834-3.8% | $108,359-31.8% | $87,485-15.5% |
| Participation rate | 40.8% | 61.7%-20.9pp | 70.1%-29.3pp | 68.9%-28.1pp |
| Annual return | 19.64% | 19.09%+0.5pp | 36.89%-17.3pp | 26.06%-6.4pp |
| Employer contribution / active EE | $989 | $1,556-36.4% | $2,399-58.8% | $2,596-61.9% |
| Participant deferral / active EE | $1,737 | $3,100-44.0% | $4,137-58.0% | $4,274-59.4% |
| Admin fee / account holder | $2,042 | $6,537-68.8% | $9,741-79.0% | $7,775-73.7% |