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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 | $76,946 | $67,602+13.8% | $82,312-6.5% | $70,126+9.7% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.9%-10.2pp | 69.5%-2.9pp |
| Annual return | 14.54% | 21.57%-7.0pp | 25.88%-11.3pp | 73.15%-58.6pp |
| Employer contribution / active EE | $1,667 | $1,755-5.0% | $2,428-31.4% | $2,343-28.8% |
| Participant deferral / active EE | $3,495 | $2,987+17.0% | $3,706-5.7% | $3,332+4.9% |
| Admin fee / account holder | $1,217 | $4,512-73.0% | $5,608-78.3% | $4,645-73.8% |