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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 | $70,721 | $95,453-25.9% | $112,040-36.9% | $82,448-14.2% |
| Participation rate | 55.3% | 72.8%-17.5pp | 76.5%-21.2pp | 68.1%-12.8pp |
| Annual return | 21.01% | 23.92%-2.9pp | 24.52%-3.5pp | 41.64%-20.6pp |
| Employer contribution / active EE | $1,749 | $2,318-24.6% | $2,954-40.8% | $2,551-31.4% |
| Participant deferral / active EE | $3,342 | $4,224-20.9% | $5,098-34.4% | $4,139-19.3% |
| Admin fee / account holder | $1,493 | $9,013-83.4% | $12,098-87.7% | $7,234-79.4% |