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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 | $66,709 | $86,940-23.3% | $102,434-34.9% | $80,935-17.6% |
| Participation rate | 67.9% | 72.4%-4.5pp | 76.5%-8.7pp | 67.7%+0.2pp |
| Annual return | 13.81% | 18.89%-5.1pp | 29.46%-15.6pp | 35.66%-21.8pp |
| Employer contribution / active EE | $3,084 | $2,370+30.1% | $3,023+2.0% | $2,757+11.9% |
| Participant deferral / active EE | $7,423 | $4,121+80.1% | $5,055+46.8% | $4,299+72.6% |
| Admin fee / account holder | $559 | $8,047-93.1% | $9,462-94.1% | $6,924-91.9% |