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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 | $77,928 | $73,787+5.6% | $98,716-21.1% | $82,448-5.5% |
| Participation rate | 46.7% | 61.4%-14.7pp | 69.3%-22.6pp | 68.1%-21.4pp |
| Annual return | 15.94% | 18.57%-2.6pp | 31.81%-15.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,354 | $1,511-10.4% | $2,279-40.6% | $2,551-46.9% |
| Participant deferral / active EE | $2,760 | $3,081-10.4% | $4,048-31.8% | $4,139-33.3% |
| Admin fee / account holder | $4,448 | $6,500-31.6% | $8,703-48.9% | $7,234-38.5% |