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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 | $65,842 | $72,486-9.2% | $87,103-24.4% | $72,976-9.8% |
| Participation rate | 55.9% | 72.8%-16.9pp | 76.9%-21.0pp | 69.5%-13.6pp |
| Annual return | 19.64% | 24.46%-4.8pp | 28.19%-8.5pp | 81.02%-61.4pp |
| Employer contribution / active EE | $1,340 | $1,894-29.3% | $2,521-46.9% | $2,440-45.1% |
| Participant deferral / active EE | $4,379 | $3,270+33.9% | $4,049+8.2% | $3,608+21.4% |
| Admin fee / account holder | $6,336 | $5,055+25.4% | $7,491-15.4% | $5,124+23.7% |