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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 | $69,498 | $71,215-2.4% | $93,696-25.8% | $80,935-14.1% |
| Participation rate | 55.8% | 60.4%-4.6pp | 68.7%-13.0pp | 67.7%-11.9pp |
| Annual return | 10.20% | 11.27%-1.1pp | 133.74%-123.5pp | 35.66%-25.5pp |
| Employer contribution / active EE | $1,597 | $1,565+2.0% | $2,422-34.1% | $2,757-42.1% |
| Participant deferral / active EE | $3,485 | $4,037-13.7% | $4,417-21.1% | $4,299-19.0% |
| Admin fee / account holder | $17,152 | $6,958+146.5% | $8,287+107.0% | $6,924+147.7% |