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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 | $70,749 | $81,487-13.2% | $102,412-30.9% | $80,935-12.6% |
| Participation rate | 62.5% | 66.8%-4.3pp | 74.5%-12.0pp | 67.7%-5.2pp |
| Annual return | 10.62% | 25.60%-15.0pp | 24.94%-14.3pp | 35.66%-25.0pp |
| Employer contribution / active EE | $1,982 | $3,103-36.1% | $3,870-48.8% | $2,757-28.1% |
| Participant deferral / active EE | $4,631 | $3,871+19.6% | $5,060-8.5% | $4,299+7.7% |
| Admin fee / account holder | $5,101 | $6,717-24.1% | $8,388-39.2% | $6,924-26.3% |