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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 | $69,732 | $59,804+16.6% | $81,982-14.9% | $79,856-12.7% |
| Participation rate | 53.7% | 61.6%-7.9pp | 69.3%-15.6pp | 69.6%-15.9pp |
| Annual return | 12.31% | 17.56%-5.3pp | 41.31%-29.0pp | 31.71%-19.4pp |
| Employer contribution / active EE | $1,281 | $1,713-25.2% | $2,498-48.7% | $2,471-48.2% |
| Participant deferral / active EE | $4,057 | $2,695+50.5% | $3,722+9.0% | $3,741+8.5% |
| Admin fee / account holder | $7,971 | $4,288+85.9% | $5,665+40.7% | $5,306+50.2% |