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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 | $67,356 | $86,940-22.5% | $102,434-34.2% | $80,935-16.8% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.7%-3.4pp |
| Annual return | 16.73% | 18.89%-2.2pp | 29.46%-12.7pp | 35.66%-18.9pp |
| Employer contribution / active EE | $1,982 | $2,370-16.3% | $3,023-34.4% | $2,757-28.1% |
| Participant deferral / active EE | $3,597 | $4,121-12.7% | $5,055-28.8% | $4,299-16.3% |
| Admin fee / account holder | $1,923 | $8,047-76.1% | $9,462-79.7% | $6,924-72.2% |