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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 | $75,554 | $80,992-6.7% | $96,534-21.7% | $75,173+0.5% |
| Participation rate | 49.3% | 71.8%-22.5pp | 76.0%-26.7pp | 67.2%-17.9pp |
| Annual return | 17.48% | 27.05%-9.6pp | 25.88%-8.4pp | 160.72%-143.2pp |
| Employer contribution / active EE | $1,536 | $2,283-32.7% | $2,965-48.2% | $2,671-42.5% |
| Participant deferral / active EE | $3,251 | $3,929-17.3% | $4,851-33.0% | $4,126-21.2% |
| Admin fee / account holder | $6,134 | $6,717-8.7% | $8,253-25.7% | $5,651+8.6% |