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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 | $75,441 | $67,894+11.1% | $89,340-15.6% | $82,448-8.5% |
| Participation rate | 44.8% | 64.0%-19.2pp | 69.6%-24.7pp | 68.1%-23.2pp |
| Annual return | 14.02% | 19.21%-5.2pp | 20.57%-6.6pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,631 | $1,828-10.7% | $2,231-26.9% | $2,551-36.0% |
| Participant deferral / active EE | $3,168 | $3,072+3.1% | $3,823-17.1% | $4,139-23.5% |
| Admin fee / account holder | $1,956 | $5,723-65.8% | $6,704-70.8% | $7,234-73.0% |