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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 | $73,035 | $81,446-10.3% | $103,374-29.3% | $80,874-9.7% |
| Participation rate | 64.7% | 66.9%-2.1pp | 74.5%-9.8pp | 67.6%-2.9pp |
| Annual return | 15.62% | 25.57%-9.9pp | 24.89%-9.3pp | 35.62%-20.0pp |
| Employer contribution / active EE | $2,727 | $3,107-12.2% | $3,869-29.5% | $2,756-1.1% |
| Participant deferral / active EE | $5,184 | $3,870+33.9% | $5,058+2.5% | $4,297+20.6% |
| Admin fee / account holder | $1,551 | $6,715-76.9% | $8,394-81.5% | $6,935-77.6% |