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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 | $57,478 | $81,233-29.2% | $155,567-63.1% | $80,874-28.9% |
| Participation rate | 65.8% | 66.2%-0.4pp | 78.2%-12.4pp | 67.6%-1.9pp |
| Annual return | 13.59% | 33.33%-19.7pp | 64.74%-51.1pp | 35.62%-22.0pp |
| Employer contribution / active EE | $1,869 | $3,101-39.7% | $4,674-60.0% | $2,756-32.2% |
| Participant deferral / active EE | $3,957 | $3,452+14.6% | $5,628-29.7% | $4,297-7.9% |
| Admin fee / account holder | $3,014 | $7,998-62.3% | $15,916-81.1% | $6,935-56.5% |