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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 | $72,607+3.9% | $90,259-16.4% | $87,485-13.8% |
| Participation rate | 44.8% | 64.8%-20.0pp | 70.7%-25.9pp | 68.9%-24.1pp |
| Annual return | 14.02% | 18.59%-4.6pp | 18.88%-4.9pp | 26.06%-12.0pp |
| Employer contribution / active EE | $1,631 | $1,919-15.0% | $2,291-28.8% | $2,596-37.2% |
| Participant deferral / active EE | $3,168 | $3,055+3.7% | $3,827-17.2% | $4,274-25.9% |
| Admin fee / account holder | $1,956 | $5,947-67.1% | $7,267-73.1% | $7,775-74.8% |