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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 | $65,816 | $86,949-24.3% | $102,460-35.8% | $80,959-18.7% |
| Participation rate | 63.4% | 72.4%-8.9pp | 76.5%-13.1pp | 67.7%-4.2pp |
| Annual return | 18.79% | 18.89%-0.1pp | 29.47%-10.7pp | 35.67%-16.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,544 | $4,121-14.0% | $5,056-29.9% | $4,300-17.6% |
| Admin fee / account holder | $8,193 | $8,048+1.8% | $9,460-13.4% | $6,925+18.3% |