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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 | $72,099 | $95,453-24.5% | $112,040-35.6% | $82,448-12.6% |
| Participation rate | 63.3% | 72.8%-9.5pp | 76.5%-13.2pp | 68.1%-4.8pp |
| Annual return | 13.94% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,101 | $2,318-52.5% | $2,954-62.7% | $2,551-56.8% |
| Participant deferral / active EE | $2,912 | $4,224-31.1% | $5,098-42.9% | $4,139-29.7% |
| Admin fee / account holder | $8,431 | $9,013-6.5% | $12,098-30.3% | $7,234+16.5% |